Coverage based on your operation
Cargo vans are the workhorses of last-mile delivery, courier routes and service businesses. Because they're on the road all day with frequent stops, they face more exposure than a typical vehicle — and many delivery contracts set specific insurance limits you must meet to keep your route.
CTP helps van operators, from a single owner-driver to a fleet of route vans, find coverage that protects the vehicles and satisfies the companies you contract with.
Delivery and logistics contracts often require specific liability limits and certificates naming the contracting company. Send us your contract's insurance requirements and we'll quote to match.
Coverage options
- Commercial auto liabilityInjuries and property damage to others, with limits to meet contracts.
- Physical damageCollision and comprehensive for your vans.
- Hired & non-owned autoCovers rented vans and employees' personal vehicles used for work.
- Cargo / goods in transitProtection for packages and goods you carry, when applicable.
- Medical paymentsMedical costs for drivers and passengers after an accident.
- Uninsured motoristProtection if you're hit by an uninsured or underinsured driver.
Who it's for
- Courier services
- Final-mile delivery
- Route contractors
- Trades & service vans
- Catering & florists
- Mobile businesses
What affects your price
Information commonly needed for a quote
The exact underwriting package depends on the market and your operation, but having complete information ready reduces back-and-forth.
Business
- Business name & address
- Years in business
- Contracts or platforms you work with
- Required insurance limits
Vans
- Year, make, VIN
- Owned, leased or rented
- Garaging location
- Upfits or equipment
Drivers
- Driver license details & DOB
- Driving history
- Number of drivers
- Prior insurance & claims
Frequently asked questions
Can I use personal auto insurance for my cargo van?
Usually not for business deliveries. Personal policies commonly exclude vehicles used for commercial delivery or courier work.
Do you insure route and last-mile contractors?
Yes. Share the insurance requirements in your contract and we'll look for coverage that meets them.
What if my drivers use their own vehicles sometimes?
Hired and non-owned auto coverage can protect your business when employees use personal or rented vehicles for work.
Can I add vans and drivers during the policy term?
Yes. Let us know and we'll update the policy and issue new ID cards or certificates.