If you have a van that you use specifically for work, then you may be required to hold specialized commercial vehicle insurance. This type of auto insurance will protect you, your van, and in some cases, even your work van equipment if you get into an accident during working hours or if your vehicle gets damaged at a job site. There are many different types of commercial vehicle insurance that you will need, including bodily injury liability coverage, which protects you in the event that you cause bodily injury to another driver, and property damage liability coverage, which covers you if you cause damage to another person’s property.
If you carry around a lot of expensive work van equipment, as many professionals do, you should ask your insurance provider about insuring that equipment. That way, you may be able to recoup your losses if your equipment is damaged or destroyed due to an accident or collision.