Cargo Van & Sprinter Van Insurance

Cargo vans and Sprinter-style vans keep deliveries on schedule, carry technicians to service calls and serve as rolling workshops. They also spend a lot of time in traffic, double-parked and loading at the curb, which raises the chance of accidents and theft. Pacific Southwest Insurance Services writes commercial van insurance that covers the van, the contents and your liability, whether you run one Ford Transit or a fleet of Mercedes Sprinters.

Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.

Who We Insure

We write cargo van & sprinter van coverage for businesses of every size, from a single vehicle to fleets of 10 or more. New ventures are welcome. Our clients include:

• Delivery and last-mile courier companies
• Mobile mechanics, detailers and pet groomers
• Electricians, locksmiths and IT technicians
• Florists, caterers and event rental companies
• Moving helpers and furniture delivery
• Medical supply and pharmacy delivery
• Upfitted and shelved work vans

Coverage Options

• Commercial auto liability: Covers bodily injury and property damage to others, with limits that satisfy customer and contract requirements.
• Physical damage: Collision and comprehensive for the van, including custom shelving, racks and upfits when they’re scheduled on the policy.
• Motor truck cargo: Protects customer goods you’re transporting if they’re damaged or stolen.
• Tools and equipment: Covers your own tools and inventory stored in the van.
• Rental reimbursement: Helps pay for a replacement van while yours is being repaired so you can keep working.
• Hired and non-owned auto: Covers the business when rented or employee-owned vehicles are used for work.

What Affects Your Premium

Every operation is different. Carriers typically look at:

• Type of goods carried and how many stops you make
• Local vs. regional radius
• Value of the van and any upfits
• Driver experience and records
• Garaging location and overnight parking
• Number of vans and drivers
• Deductibles and limits

As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.

Why Choose Pacific Southwest Insurance Services

• Family-owned and serving California since 1965, now writing coverage nationwide
• Access to multiple commercial auto carriers, including markets for new businesses
• Fast certificates of insurance, additional insureds and filings
• One agency for your commercial auto, general liability, bonds and more
• A real person answers the phone and knows your account

Common Claims We See

• Backing and parking accidents: Vans have large blind spots, and low-speed backing claims in alleys, driveways and loading zones are very common.
• Break-ins: Tools, packages and inventory left in the van overnight attract thieves.
• Roof-height strikes: High-roof Sprinters can hit parking garage entrances, drive-thrus and low branches.
• Delivery-route collisions: Frequent stops, tight schedules and busy city streets lead to more fender-benders.

Tips for Van Owners and Fleets

• Install backup cameras and sensors; they help prevent the most common van claims.
• Don’t leave tools or packages in the van overnight, or carry inland marine coverage for what you do leave.
• Post the roof height inside the cab so drivers avoid low clearances.

Frequently Asked Questions

Is a Sprinter van rated differently from a smaller cargo van?

It can be. Size, weight, value and how the van is used all affect the rate. We shop multiple carriers to find the best fit for your specific van.

Are my shelving and upfits covered?

They can be. Tell us the value of permanently attached equipment so it’s included in the vehicle’s coverage and not left out after a loss.

I’m starting a delivery business. Can you help?

Yes. New ventures are welcome, and we work with carriers that write start-up delivery and courier operations.

Are the packages I deliver for customers covered?

Not by your auto policy. Goods you carry for others need cargo coverage, and some delivery contracts require a specific limit. We’ll match the cargo limit to your contract.

Do I need commercial insurance if I deliver through an app?

Usually yes. Personal auto policies often exclude delivering for pay. Some apps provide limited coverage while you’re on a delivery, so we’ll review what the app provides and fill the gaps.

Other Vehicles We Insure

• Pickup Truck Insurance
• Box Truck Insurance
• Dump Truck Insurance
• Food Truck Insurance
• Pump Truck Insurance
• Cherry Picker, Bucket & Lift Truck Insurance
• Flatbed Truck Insurance
• Stake Bed Truck Insurance
• Commercial SUV Insurance
• Landscaping Truck Insurance
• Plumbing & HVAC Service Van Insurance

Don’t see your vehicle? We insure most commercial vehicles, from pickups to long-haul tractors. See all commercial auto coverage.

Get a Cargo Van & Sprinter Van Insurance Quote

Tell us about your vehicles, drivers and operations and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.