Do You Need Cargo Van Insurance? Here’s What the Law Says

Whether you're an independent delivery driver, a small business owner, or managing a fleet, one thing is clear: if you're using a cargo van for commercial purposes, cargo van insurance is not optional—it’s a legal requirement in most cases. In this article, we'll break down what the law says about insuring cargo vans, why it's essential, and how Stone Era Insurance Agency can help you stay protected and compliant.

Why Is Cargo Van Insurance Required?

Cargo vans are often used for transporting goods, tools, and equipment—whether for courier services, construction, moving services, or gig work like Amazon Flex. Because they are considered commercial vehicles, they typically require commercial auto insurance policies rather than standard personal car insurance.

Here's what the law typically requires:

Liability Coverage: Most states require businesses to carry liability coverage that protects against damages or injuries caused to others in an accident.
State-Specific Minimums: Coverage requirements vary by state. Florida, for instance, mandates minimum limits for personal injury protection (PIP) and property damage liability.
Business Use Declaration: If you're using your van for business purposes, it must be declared as such in your insurance policy, or your claims could be denied.

Risks of Driving Without Cargo Van Insurance

Driving without proper cargo van insurance can lead to:

Hefty fines
Suspension of your driver's license or business license
Denied claims in the event of an accident
Legal liability for medical and repair costs

If your business depends on your cargo van, not having the right coverage can be financially devastating.

What Kind of Coverage Do You Need?

At Stone Era Insurance Agency, we help business owners like you determine exactly what coverage you need. A typical cargo van insurance policy may include:

Commercial Auto Liability
Collision and Comprehensive Coverage
Uninsured/Underinsured Motorist Protection
Cargo Coverage for the goods you transport
Rental Reimbursement and Roadside Assistance

Each business is unique, so we tailor our policies to match your operations and budget.

How Stone Era Insurance Agency Can Help

Navigating the world of commercial vehicle insurance can be overwhelming, but we make it simple. Whether you’re in delivery, logistics, or a local service trade, our expert agents are here to guide you to the most affordable and effective cargo van insurance solutions.

Contact Us Today

Stone Era Insurance Agency 📞 Phone: (239) 288-0656
📍 Address: 958 Summerfield Dr, Naples, FL 34120, USA
📧 Email: info@stoneerainsurance.com
Final Thoughts

If you're using your cargo van for business purposes, don’t take chances. Cargo van insurance isn’t just a legal requirement—it’s your safety net against unexpected accidents and liabilities. Get in touch with Stone Era Insurance Agency today to ensure you're fully protected on the road.