Cargo van and delivery van insurance in Florida
Cargo van insurance covers vans that couriers, contractors and service businesses use for work. A personal auto policy typically excludes business use, so most work vans need a commercial policy with liability and physical damage. Florida requires PIP and property damage liability, and we can add hired and non-owned auto for employee drivers. We quote in English or Spanish.
Can I insure a cargo van on a personal auto policy?
Usually not for work: personal auto policies typically exclude vehicles used for business, and when a van is used mainly for business there is likely no coverage, so most work vans need a commercial policy.
Couriers and delivery businesses
A van that carries parcels, food or goods for pay is used for business. If you also deliver through an app, ask both your own insurer and the app what each one covers, because delivery apps differ.
Contractors and service businesses
A van that carries tools and parts to jobs is used for business, even if you also drive it personally. Tell your agent about every way the van is used.
Occasional business use
Some personal policies allow limited business use and others exclude it, so the wording decides. Ask before you rely on it. For business cars, pickups and fleets, see commercial auto insurance.
Is a cargo van a commercial vehicle in Florida?
For Florida PIP purposes, a van is a private passenger vehicle only if it is not used primarily for business, and a van used mainly for business is a commercial motor vehicle.
Florida's no-fault law counts pickup, panel, van, camper and motor home types as private passenger vehicles only when they are not used primarily for occupational, professional or business purposes, and treats any other motor vehicle as commercial (Fla. Stat. 627.732 (opens in a new tab)). What that means for a cargo van:
- PIP and property damage liability apply, as they do to any registered vehicle with four or more wheels.
- Florida's higher weight-based liability bands start at 26,000 pounds, and most cargo vans are well below that.
- Some heavy-duty vans are rated above 10,000 pounds GVWR. For-hire carriers of nonhazardous property in interstate commerce with vehicles rated 10,001 pounds or more face a federal $750,000 minimum, so check the rating on your van's label.
Sources, checked October 20, 2026
- Fla. Stat. 627.732, no-fault definitions (opens in a new tab)
- Fla. Stat. 627.733, required security (opens in a new tab)
- Fla. Stat. 627.736, PIP benefits (opens in a new tab)
- Fla. Stat. 324.022, property damage liability (opens in a new tab)
- 49 CFR 387.9, minimum financial responsibility (opens in a new tab)
- 49 CFR 387.3, applicability (opens in a new tab)
What does a cargo van policy cover?
A cargo van policy usually combines auto liability and physical damage, with optional coverages such as uninsured motorist, rental reimbursement and cargo for goods in your care.
| Coverage | What it covers | Worth asking |
|---|---|---|
| Auto liability | Injuries and property damage your van or driver causes to others, up to your limit. | The limit customers and contracts require. |
| Physical damage | Repair or replacement of the van after a collision, theft, fire or other covered loss. | The deductible, and whether permanently installed shelving or racks are included. |
| Hired and non-owned auto | Your business's liability when employees use their own cars for work or you rent a vehicle. | Who drives and how often. |
| Uninsured motorist | Your injuries and your passengers' when an at-fault driver has no insurance or not enough. | Florida makes it optional: it applies unless the named insured rejects it in writing. |
| Motor truck cargo | Customers' goods in your care while you deliver them. | The per-load limit and exclusions, mainly for couriers who carry other people's goods. |
| Rental reimbursement | A replacement vehicle while the van is repaired after a covered loss. | The daily limit and its duration. |
Who needs hired and non-owned auto coverage?
Any business whose employees or helpers drive their own cars for work, or that rents or borrows vehicles, may need hired and non-owned auto coverage, which addresses the business's liability in those situations.
- A driver uses a personal car to deliver overflow orders.
- You rent a van for a busy season or while one of yours is in the shop.
- An employee runs a work errand in a personal car.
This coverage typically sits above the employee's own auto policy. It addresses your business's liability; damage to the vehicle itself is a separate question to raise with your agent.
Sources, checked October 20, 2026
What affects cargo van insurance rates?
Cargo van rates follow how many vans and drivers you have, how the vans are used and where they run.
Number of vans and drivers
Each driver's record and experience counts, and so does how drivers are hired.
Routes and radius
Dense city delivery routes rate differently from lighter local or regional work.
How the van is used
Business only, personal and business, or a delivery app on top of other work.
Van value and equipment
Year, replacement cost and installed shelving or racks.
Garaging address
Where the van is parked overnight.
Claims history and years in business
Loss runs from prior insurers and your experience in this work.
We do not publish prices because they depend on these details. Send your information and an agent will compare quotes.
Frequently asked questions
How much is commercial insurance for a cargo van?
There is no standard price for commercial cargo van insurance in Florida. It depends mainly on how many vans and drivers you have, how the vans are used, where they run and are garaged, and your claims history. A licensed agent can quote it with several insurers once you send your vans, drivers and the way you use them.
Do I need commercial insurance to deliver for an app?
Personal auto policies typically exclude vehicles used for business, and delivering for pay can fall under that. What a delivery app covers varies by company, so read its insurance terms and ask your own insurer how it treats paid delivery. A commercial policy is one option, and an agent can compare it with other ways to close any gap.
Does a cargo van need a CDL?
Almost never. A CDL applies at a gross vehicle weight rating of 26,001 pounds or more, to vehicles designed to carry more than 15 people, and to vehicles hauling placarded hazardous materials. Cargo vans are well below that weight, so most drivers need only a regular license, though other rules may apply to your business.
Can I use my cargo van for personal driving too?
Many owners do, but the policy is written around how the van is used. Tell your agent about both business and personal use so the policy matches, because a policy built for personal use may not respond to business driving. An agent can explain how your insurer treats mixed use.
Do employees and part-time helpers have to be listed as drivers?
Insurers generally ask for the name, license number and date of birth of everyone who will drive, and may rate or exclude drivers based on their records. Tell your agent about employees and part-time helpers before they drive, so the policy reflects who is actually behind the wheel.
Can I get a certificate of insurance for a client or property manager?
Yes. Send the certificate holder's name and address and any wording the client requires by WhatsApp or email, and we will request the certificate from the insurer. Some clients ask for additional insured status, so include the insurance section of your contract with the request.
This page is general information, not a coverage recommendation. Requirements and policies vary; a licensed Assure US agent will review your vehicles, drivers and operations.
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