Cargo van insurance for expediting, courier, and delivery work.
A Sprinter or Transit hauling for hire is a commercial truck to the FMCSA and to your customers. We write the van, the freight, and the certificate the contract asks for.
Designed for
Expediters, couriers, medical transport, final-mile and route contractors
Typical vans
Sprinter, Transit, ProMaster, and cutaway cargo vans
What carriers ask
Radius, freight type, contracts, driver MVRs, and whether you are leased on
Commercial coverage for a van that works for hire
Cargo vans and Sprinters do expedited freight, medical courier runs, final-mile delivery, and contract routes for carriers and retailers. The moment the van hauls for pay, personal auto is out, and most contracts ask for $1,000,000 in liability, a cargo limit, and sometimes general liability — before the first load.
We place cargo vans for owner-operators and small fleets: expediters on load boards, couriers, delivery contractors, and leased-on van operators. The submission covers the van, the freight, the radius, and the contract.
Coverage we arrange for cargo vans
Common questions
Do I need DOT authority for a cargo van?
For-hire interstate hauling requires operating authority when you cross state lines for pay, regardless of vehicle size. Vans under 10,001 pounds GVWR are exempt from some federal safety rules but not from the need for commercial insurance, and a personal policy will not respond to a for-hire claim.
What do expedite carriers require from a leased-on van?
Usually physical damage on your van, non-trucking liability, and occupational accident coverage, with the carrier providing liability and cargo under dispatch. Check the lease; we quote to it.
How much cargo coverage does a courier need?
Medical and pharmaceutical couriers and expediters commonly need $100,000; some contracts ask for less and some for more. We match the limit to your contracts rather than a default.
Is a cargo van cheaper to insure than a box truck?
Usually, because the vehicle value and the loads are smaller, but the driver's record, the radius, and the contract limits matter more than the vehicle. We quote the van from markets that write light commercial vehicles for hire.
Which carriers write this?
Market appetite for cargo vans & sprinters changes by state and by year. Carrierlens is the free directory of trucking insurance markets our agency built: carriers, MGAs, and wholesalers, with the states they write and their appetite documents.
See markets for delivery on Carrierlens →Other operations we insure
- Dump truck insurance
- Hotshot insurance
- Box truck insurance
- Reefer truck insurance
- Hazmat trucking insurance
- Tow truck insurance
- NEMT insurance
- Semi truck insurance
- Bobtail & non-trucking liability
- Car hauler insurance
- MCS-90 endorsement
- Amazon Relay insurance requirements
By state
Get a cargo van quote
Send us the van, the work you do, and any contract requirements. We quote the van as the commercial vehicle it is.
A quote request does not bind coverage. Availability, limits, exclusions, and effective dates are subject to carrier approval and policy terms.