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If your company owns a commercial or business passenger van, you are probably in the business of transporting people or merchandise to multiple locations frequently. Passenger vans are excellent business assets to have if you operate a hotel related business for example, because the vehicle allows you to transport larger families or groups of guests who may be staying at your resort for a seminar. Business vans also make excellent taxicabs for similar reasons; your company can offer transportation to larger groups all at once.

Regardless of whether you use your van to transport merchandise and supplies, or you use it to transport people, the type of commercial van insurance you carry is an extremely important area that you cannot afford to overlook. With the right business van insurance you can protect your company from suffering the severe financial losses that can arise when the van is involved in an auto accident. Here are the primary types of passenger van insurance you’ll need to carry for maximum protection:

Liability InsuranceLiability insurance is required coverage by law. By carrying this type of commercial van insurance, you are capable of handling the bills that arise when your van causes an auto accident. If your van is at fault for the accident, your liability insurance pays for the expenses that arise related to medical bills and property damages.

Medical PaymentsMedical payments is an important type of insurance to carry on a commercial passenger van. This coverage pays for the emergency medical care and related ongoing medical bills that arise for the van driver and any passengers who were in the vehicle when the auto accident occurred. Medical payments insurance pays for the medical expenses regardless of who was at fault for the accident, so this ensures that everyone riding in the vehicle is protected at all times. Medical payments coverage is not available in all areas however. Contact one of our licensed representatives and we’ll be happy to help you determine its availability for your business van insurance policy.

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Physical Damage InsurancePhysical damages insurance is specifically designed to protect you from the financial hardships that you will encounter if your business van is damaged or destroyed. It provides coverage for the van itself, and can be the highest level of protection available. This insurance is particularly useful for companies who rent or lease their commercial vans, and those who are still paying off the finance loan for their passenger vans.

Uninsured or Underinsured Motorist - Uninsured or underinsured motorist coverage is designed to protect you from losses caused by other drivers. When another driver causes an auto accident with your business van, their liability insurance is supposed to pay for bodily injuries and property damages. If the driver does not carry liability however, then he is uninsured and there is no recourse for damage payments. If the driver does carry insurance however, and it is not enough to pay for the full extent of the damages and injuries she caused, then she is considered underinsured. In either situation, your company would have to pay part or all of the repair bills for your van if you do not carry uninsured or underinsured motorist protection.

Other Important Commercial Auto Insurance for VAN includes:

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Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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