← Guides

Insurance for cargo van & box truck contractors

Personal auto policies usually exclude commercial delivery. App platforms set their own minimums; carriers that contract box trucks commonly ask for commercial auto liability and cargo coverage, and some require more (one third-party report cites a $1M liability requirement for a cargo-van contractor). Always get the exact certificate requirements in writing before you buy.

Typical coverage types

• Commercial auto liability
• Motor truck cargo
• Occupational accident (in place of workers' comp for 1099 drivers)
• General liability (white-glove/install work)

Compare at least three quotes, including an agent who writes trucking.

General information, not legal, tax or insurance advice.