Many businesses, including florists, couriers, caterers, electricians, plumbers, and many more, use vans as their means to their livelihood. That’s why it is so important to have proper van insurance coverage.
Van insurance protects you against financial calamity should you or one of your employees cause bodily or property damage to another person. You might also consider physical damage to protect your van in case it is damaged in an accident. Just make sure you carry enough coverage so repairs and replacement costs don’t erode your bottom line.
If you are an independent contractor and you use your van for deliveries or service calls, your employer’s insurance might cover the cargo you transport. In addition they may be able to cover you with liability insurance under their commercial policy, especially if they have an Any Auto policy.
You should check with your employer and verify what is and isn’t covered. Consider your own van insurance policy if you are only covered by your employer when you are making deliveries or performing service calls. Most van policies cover all types such as cargo, delivery, company/fleet, minivans, passenger, wheelchair, and step vans as well as Sprinter trucks.
Here at InsuranceUSA.com you can build your plan to fit your specific van insurance needs. We stand ready to provide van insurance quotes to you any time, 24/7. There’s no obligation and once you receive your quote, you are free to compare it to other polices so you can decide which policy is best for you and your budget.