The Hartford does not currently offer this coverage online for small businesses, but we recognize that this is a coverage many businesses need. You may be able to get the coverage you're looking for through a local agency or with Tivly.
What Is Commercial Van Insurance?
Commercial van insurance is a type of commercial auto insurance that protects company-owned vans used for business. This insurance covers liability claims, like property damage or medical expenses, if you or one of your employees get into an accident while driving a company van for work. If your small business depends on company vans to help you get the job done, then you should consider having commercial van insurance.
To learn more about how you can protect your cargo vans while on the road, find a local agent today. They can work with you to understand your business’ unique needs and get you the right coverage. If you’re a small business owner and would rather start the process online, you can get a quote online from our partner, Tivly.
What Does Commercial Van Insurance Cover?
Types of vans that may need commercial auto insurance coverage include:
- Cargo vans
- Minivans
- Delivery vans
- Sprinter vans
- Catering vans
- Refrigerated vans
- Step vans
Who Needs Commercial Insurance for Cargo Vans?
Although coverage availability varies by industry and state, these types of small businesses might benefit from having commercial insurance for cargo vans:
Types of Commercial Cargo Van Insurance Coverages
Most states require you to have commercial auto insurance if your business uses any commercial vans for business purposes. The following types of coverages are commonly included in a commercial cargo van insurance policy:
- Bodily Injury Liability Insurance Coverage helps cover medical expenses for the other driver if you or one of your employees causes an accident.
- Property Damage Liability Coverage covers the cost of damages that you or your employees cause to someone else’s property.
- Collision Coverage can help pay to fix or replace your commercial van if you hit something, like another car or pole.
- Medical Payments Coverage can help pay for medical expenses for your employees and their passengers in the event of an accident, such as medical treatments and rehabilitations, dental care or funerals.
- Comprehensive Coverage helps pay for vehicle damages caused by theft, fire or natural disasters.
- Uninsured/Underinsured Motorist Coverage can cover you or your employees’ medical expenses or the costs to fix your company van if the other driver doesn’t have enough liability coverage or is uninsured.
- Personal Injury Protection (PIP), also known as no-fault insurance, can help cover medical expenses, lost wages or funeral costs after an accident, no matter who is at fault.
How Much Is Commercial Insurance for Cargo Vans?
You may be wondering, “how much is commercial insurance for cargo vans?” It varies. Your commercial van insurance cost will often depend on many different factors, including the:
- Type of industry
- Location of your business
- Type of business
- Year, make and model of your van
- Driving records of your employees’
- How the vehicle is used
- Amount of liability coverage you choose
The best way to know how much you’ll pay for commercial van insurance is to get a free quote. Find a local agent today to see how much cargo van insurance will cost your business. Or if you’re a small business owner and want to start the process online, you can get a quote through our partner, Tivly.
Get Insurance for Your Commercial Van
We know the risks your cargo van drivers face when on the road. Find a local agent today to learn how the right coverage can help protect your business for the long haul. Or if you’re a small business owner and would rather start the process online, you can get a quote through our partner, Tivly.
Find Out More About Insurance for Commercial Vehicles
Last Updated: August 27, 2026
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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