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Cargo van insurance provides specialized commercial vehicle coverage for non-passenger vans. The coverages, terms and deductibles are specifically for cargo vans.

  • Cargo vans
  • Box vans
  • Step vans
  • Bodily Injury Liability Coverage:
  • Property Damage Liability Coverage
  • Collision Coverage

What is cargo van insurance?

Commercial vehicles generally need to be insured with commercial auto insurance, but each type of vehicle requires slightly different protections. Cargo van insurance is often the right insurance for vans used to deliver goods in Massachusetts.

Cargo van insurance provides specialized commercial vehicle coverage for non-passenger vans. The coverages, terms and deductibles are specifically for cargo vans.

Cargo Van Insurance Massachusetts

What Massachusetts businesses should carry commercial van insurance?

Massachusetts normally requires vehicles, including cargo vans, to be insured. Any business that has a cargo van probably needs commercial van insurance to meet (and exceed) these requirements.

Businesses that have leased or financed their vehicles are often also required to carry protections for the vehicles themselves, which aren’t required by law. These additional protections can include comprehensive coverage, collision coverage and gap coverage.

Many businesses choose to purchase protections than they are required to. Simply meeting requirements can leave businesses with extensive liability risk exposure.


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    Lynnfield, MA

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    Boston, MA

What types of vehicles can be insured with commercial cargo van insurance?

Most non-passenger vans can be insured with commercial cargo van policies. This tends to be the most suitable form of vehicle insurance for vans such as:

  • Cargo vans
  • Box vans
  • Step vans
  • Delivery vans
  • Courrier vans
  • Utility vans
  • Refrigerated vans

Professional couriers, last-mile deliverers, tradespeople (e.g. electricians, painters, plumbers, exterminators, contractors) and service businesses (e.g. floral shops, rental companies, bakeries) often have these vehicles, and purchase commercial cargo van policies.

Passenger vans usually shouldn't be insured with cargo van-specific policies. Passenger vans often call for higher medical payments limits and bodily injury liability limits, which are easily found through commercial passenger van insurance policies.

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What coverages are included in commercial van insurance policies?

Commercial van insurance policies normally at least meet the state’s 30/60/25 requirements, and most offer substantially more protection. Coverages that are commonly available include:

  • Bodily Injury Liability Coverage: Might apply to injuries that an accident causes
  • Property Damage Liability Coverage: Might apply to damage that an accident causes
  • Collision Coverage: Might apply to vehicle damage from an accident
  • Comprehensive Coverage: Might apply to vehicle damage from other causes
  • Medical Payments Coverage: Might apply to driver and passenger injuries
  • Underinsured/Uninsured Motorist Coverage: Might apply to accidents with uninsured drivers

Collision coverage normally applies when two or more vehicles collide while moving. Comprehensive coverage normally applies when the insured vehicle is damaged in other incidents. Other incidents can include animal strikes, falling trees, burglaries, vandalism, hail and more.

An insurance agent who specializes in commercial van policies can explain the coverages in greater detail, and make sure businesses get the coverages they need.

Cargo Van Insurance Massachusetts

How much do cargo van policies cost?

The premiums charged for cargo van policies vary according to several factors. Some of the details that impact rates are the:

  • Number of vans insured
  • Year, make and model of van(s)
  • Mileage driven annually
  • Licenses and endorsements of driver(s)
  • Past driving records of driver(s)
  • Location of the business’ facilities
  • Region served by the business

Comparing rates with an independent insurance agent makes checking costs easy. Independent agents can quickly request customized quotes from multiple insurance companies.

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How can Massachusetts businesses get insurance for cargo vans?

For help insuring cargo vans registered in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents have helped many businesses get the commercial insurance policies they need, and we can certainly help you find cargo van insurance.

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