Cargo Van Insurance Checklist for Delivery Drivers & Gig Workers

Protect your business, your van, and your income. If you're using a cargo van for courier work, gig delivery apps, or small business logistics, having the right insurance is critical. Not all auto policies are the same—and many don’t cover commercial use or the cargo you're transporting.

Use this comprehensive checklist to ask the right questions and make sure your policy covers everything from commercial use and liability to cargo protection, roadside assistance, and gig app requirements (like Dispatch, Curri, Metrobi, and Roadie). Whether you're new to the delivery game or scaling up, this guide will help you avoid expensive surprises and stay fully protected on the road.

Cargo Van Insurance Checklist

Questions to Ask Your Insurance Provider:

Does this policy cover commercial use of my cargo van?
Some policies exclude delivery, courier, or business use.
Is this considered a personal or commercial auto policy?
You may need a commercial auto policy for gig work, business deliveries, or transporting goods for others.
What is the liability coverage limit?
Make sure it meets your state's requirements and protects you in case of damage or injury.
Does this policy cover the cargo I’m transporting?
Most auto policies don’t cover the items inside your van unless you have a cargo or inland marine rider.
Are pets or live animals covered under this policy (if applicable)?
Important if you do pet transport or animal-related gigs.
What happens if I get into an accident during a delivery run?
Some personal policies will deny claims if you were working at the time.
Is roadside assistance included or available?
Especially important for breakdowns when you're loaded with deliveries.
What’s the deductible for comprehensive and collision coverage?
Know your out-of-pocket cost if your van is damaged or totaled.
Can I add hired/non-owned auto coverage?
Useful if you sometimes rent vans or have other drivers using your vehicle.
Is downtime or loss-of-income coverage available?
This helps cover income lost if your van is out of commission.
Are there mileage limits or territory restrictions?
Make sure you're covered across state lines or for long-distance gigs.
Will this policy satisfy the insurance requirements of platforms I work with (e.g., Dispatch, Curri, Metrobi, Roadie)?
Some apps/platforms have specific coverage requirements.

Pro Tip: Always get everything in writing and ask for a sample policy before committing. Better to ask too many questions now than be left uncovered later.

Stay protected, drive smart.