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If you own a cargo van, accidents and traditional wear and tear can lead to expensive repairs or replacements, making insurance a top priority. These commercial vans are used to transport products and goods, making coverage for those products just as essential. Below are some insurance options you should take advantage of with your commercial vehicle.
Liability Insurance
There are generally two essential coverage types regarding liability insurance for cargo vans: property damage and bodily injury. Regarding property coverage, your insurance will pay for repairing property your van has damaged, typically after an auto accident.
When it pertains to bodily injury, liability insurance could pay for the physical injuries experienced by individuals because of an automotive incident your cargo van driver is at fault for. For instance, if someone suffers from bodily harm, you may be required to pay for transport coverage, emergency care costs, physician care and follow-ups, rehabilitation needs, funeral expenses, and more, making liability insurance necessary.
Workers’ Compensation
If you own a business or run an organization and have employees operating your cargo van, workers’ compensation insurance is likely required. The coverage will protect employees and other authorized individuals if they get injured while making deliveries, loading and unloading the cargo van, or performing other work-related duties involving the commercial vehicle. In case of harm or injury to your employees while working, workers’ compensation insurance can help with costs such as lost wages and medical expenses.
Theft Insurance
Whether you operate a business or use the van for other commercial reasons, you’ll need to keep the products and other property financially protected. Therefore, purchasing the best theft insurance option for your cargo van is vital.
Coverage amounts vary, allowing businesses to financially protect either a small amount or sizeable sums based on the type of business they conduct, the products they offer, and the number of services they provide that lead to incoming funds.
When you select this type of coverage, your business can recover the value of property someone has stolen from your cargo van. For example, if someone steals the brand’s items, or if the automotive parts of the vehicle need repair or replacement, insurance also covers the costs of the van, its parts, and more.
Contact Insurance Professionals
Remember the type of company you operate will determine the commercial auto insurance options you can take advantage of, as will the physical location of your business and the driving records of your employees. Some of the most common types of companies that take advantage of commercial auto insurance for their cargo vans include bakeries, florists, technicians, painters, landscaping providers, and caterers.
Knowing how your establishment operates is another factor to consider when selecting coverage types. This begins with understanding how your business plans to use the cargo van. If you aren’t sure whether your cargo van would fall into the commercial vehicle classification, make sure to call your insurance agent so you don’t encounter any unwelcome surprises. For the highest-quality commercial, auto, motorcycle, homeowners, and renters insurance, San Diego residents rely on the experienced team from Altra Insurance Services. Give one of our friendly agents a call today.