Operations this guide may include
- Local courier and same-day delivery
- Expedited and regional cargo-van freight
- Retail, medical, office, and business-to-business delivery
- Single-van owner-operators and small delivery fleets
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- Is the operation for hire, under contract, or limited to the business's own goods?
- Which commodities are transported, and what is the maximum value in one van?
- What are the regular radius, annual mileage, states, and overnight-travel patterns?
- Do drivers enter homes, handle installation, use helpers, or leave loaded vehicles unattended?
Coverage topics to discuss
Commercial auto liability
Liability considerations for scheduled cargo vans, Sprinter vans, and delivery vehicles.
Motor truck cargo
Potential protection for covered customer freight transported for hire, subject to policy terms.
Physical damage
Collision and other covered damage considerations for owned or financed vans.
General liability
Pickup, delivery, loading, unloading, and customer-premises exposures beyond driving.
Information worth preparing
- Vehicle schedule with VINs, values, ownership, and financing
- Driver roster, licenses, experience, and motor vehicle records
- Commodity, customer, contract, radius, mileage, and revenue details
- Cargo limits, security procedures, current insurance, and loss runs
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Explore this guide →This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.