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.
