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Sprinter Van Insurance: What to Know

Sprinter vans are vastly used among many different businesses across the US. In fact, you’ve probably seen one driving around your neighborhood today delivering Amazon packages!

Sprinter vans have many different names, such as:

  • Commercial vans
  • Cargo vans
  • Business vans
  • Company vans 

If you operate a sprinter van or run your own trucking company then you need the appropriate insurance coverage. You can protect yourself and your business from losses resulting from injuries, accidents, and/or claims. So, with the help of sprinter van insurance, you’ll be able to cover liability costs and medical bills from an accident. In this article, we’ll expand on the importance of sprinter van insurance and what it covers.

Sprinter Van Insurance

What is it?

A lot of things can impact your sprinter van insurance policy. For example, the type of items your van hauls will be taken into consideration when determining your premium. Additionally, it also depends on the routes you take while making deliveries or conducting business, such as do you cross state lines? These are all things that your insurer will take into consideration when working on your quote.

This insurance policy will protect you, your business, your drivers, and the contents you haul. One accident can result in tens of thousands of dollars in damaged cargo and property damage. The benefit of this type of insurance is you get to choose your coverage limits which protects your business financially if you or one of your drivers causes an accident.

The point is, getting into an accident uninsured can ruin your business and possibly bankrupt you. The last thing you want to be worrying about is property damage, legal costs, medical bills, or damaged/stolen cargo.

Did you know that California and Texas have the highest number of cargo thefts in the country?

Why do you need it?

There are numerous reasons why one may need to invest in sprinter van insurance.

Let’s take a look at the most popular reasons below:

  • You are in the practice of renting your van out as part of your business processes.
  • You own a van as a contractor and are in the practice of contracting the van out for delivery purposes.
  • Your van provides pick-up and drop-off services for children going to daycare facilities.
  • You hold a job in the courier industry and your responsibilities include delivering packages and documents around the area.
  • You are a contractor who hauls your equipment and tools to your job site. Typically you are a painter, plumber, electrician, carpenter, etc. 
  • Your vans are used for transporting passengers to the airport.
  • You own a commercial business transporting people or making deliveries.
  • You offer your van as a means of transport for parishioners of your church. While transporting the people to Sunday service and back home, several unforeseen incidents can occur.

Sprinter Van Insurance Coverage Options

  • Uninsured/underinsured motorist: when someone who’s underinsured or not insured at all hits your van. 
  • Property damage: if you or one of your drivers causes property damage in the event of an accident. 
  • Medical payments: this covers the medical expenses of those injured in an accident.
  • Bodily injury: if someone else is hurt in an accident you caused this will cover the damages.
  • Collision: this covers the repairs to your van regardless of who’s at fault. 
  • Comprehensive: any non-collision damage that occurs will be covered (vandalism, flying objects, etc.). 

 

 

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