Cargo Van Insurance Massachusetts

Choice Insurance Agency

Cargo Van Insurance in Massachusetts

Offering customized insurance solutions in Massachusetts and beyond.

What is cargo van insurance?

Cargo vans present insurance considerations that are distinct from either cars or trucks. To meet the coverage needs of Massachusetts businesses that use these vans, there’s cargo van insurance.

Cargo van insurance is a specialized type of commercial vehicle insurance for commercial, non-passenger vans. Policies may offer coverage for accidents, and also other incidents which cause damage.

Which businesses in Massachusetts get commercial van insurance?

Commercial van insurance is generally needed for any commercially registered vans that businesses use. Massachusetts state law normally requires coverage.

For businesses with non-passenger vans, a cargo van policy is normally the right type of commercial van insurance to have. These policies might be used to insure utility vans, delivery vans, refrigerated vans, and other work vans.

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Cargo Van Insurance Massachusetts

Words from our Clients

Gained a customer for life.

Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.

Great people, great insurance, great advice, great price.

Kristoffer S., Google Review

Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.

Mike R., Google Review

I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!

Christine A., Google Review
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
M. Maxwell, Google Review

Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.

Chris C., Google Review

I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.

Matthew P., Google Review
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What coverages should businesses look for when insuring work vans?

There are a number of coverages that may be important when insuring a work van. Some protections that many businesses include in their cargo van policies include:

  • Collision Coverage: Usually for damage to a cargo van, when the damage occurs during collisions with other vehicles that are being driven.
  • Comprehensive Coverage: Usually for damage to a cargo van, when the damage is from events other than collisions with vehicles (e.g. theft, fire, or animal strikes).
  • Property Damage Liability Coverage: Usually for damage caused to other vehicles and property that occurs during a collision.
  • Bodily Injury Coverage: Usually for physical injuries to individuals that are caused by an accident, whether hitting another vehicle or some other object.
  • Medical Payments Coverage: Usually for medical expenses arising from physical injuries that the driver or a passenger has.
  • Gap Coverage: Usually for the financial difference between the cargo van’s current value and the remaining balance on a loan.
  • Underinsured/Uninsured Motorist Coverage: Usually for collisions involving drivers who are insufficiently insured, or who aren’t insured at all.

Can businesses insure passenger vans with a cargo van policy?

Cargo van policies often don’t have the protections that a passenger van should be insured with. In particular, cargo van policies may not have the bodily injury coverage or medical payments coverage that transporting a full van of passengers calls for.

Passenger vans generally should be insured with a passenger van insurance policy.

Cargo Van Insurance Massachusetts

Can businesses insure box trucks with a cargo van policy?

Likewise, cargo van policies normally don’t have the terms that a box truck or straight truck might require. Specifically, a truck’s weight and size may exceed what a cargo van policy is able to insure. A box truck insurance policy is usually better for these trucks.

Does a cargo van policy cover what’s in the van?

Many cargo van policies can come with substantial coverage for items in them, which could include equipment, tools, supplies, products, electronics, or other items. 

Policies may offer sufficient protection as a standard feature, or businesses might need to select optional protections so that everything is covered. An insurance agent who specializes in commercial van insurance can make sure that a chosen policy properly covers what’s typically kept in a van.

How much do insurance policies for work vans cost?

The cost of insuring a work van depends on many factors. A few of the various details that can impact premiums are:

  • Van year, make, and model
  • Van size and weight
  • Cargo classification
  • Cargo value
  • Driver accident history
  • Business claims history

To find out how much insuring a particular cargo van will cost, businesses can work with an independent insurance agent. An independent agent will be able to request quotes from several insurance companies.

Choice Insurance Agency

Where can Massachusetts businesses find cargo van insurance for their work vans?

If you need help insuring a Massachusetts-registered work van, contact the independent insurance agents at Choice Insurance. Our agents will help you determine coverage needs, and then find a cargo van insurance policy that’ll protect your business’s vans well.

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