Smart coverage for hardworking vans—built to protect small businesses, independent drivers, and local fleets.
Whether you're hauling packages, tools, or high-value goods, your cargo van is the core of your business. GIA Group, LLC provides cargo van insurance that covers the risks that come with the job, so you can keep moving with confidence.
Coverage
Coverage type | Why it matters |
|---|---|
Auto Liability | Required coverage for injury or damage to others |
Physical Damage | Protection for your van from accidents, theft, or vandalism |
Motor Truck Cargo | Covers the goods inside your van from loss or damage during transport |
General Liability | Coverage for claims unrelated to driving, such as loading damage or on-site incidents |
Hired and Non-Owned Auto (HNOA) | Optional coverage for using rented vans or employee vehicles |
Occupational Accident | Coverage for work-related injuries when workers’ comp isn’t available |
Uninsured / Underinsured Motorist | Covers you if another driver is at fault but lacks proper insurance |
Quote
What you’ll need for a quote
Getting started is quick and easy.
To receive a quote, have the following information ready:
Driver’s license and business type (LLC, sole proprietor, etc.)
Year, make, model, and VIN of the van
Use type (courier, contractor, commercial transport, etc.)
Cargo types and delivery radius
Insurance history (if applicable)
Success Stories
How we’ve helped truckers save
We insure cargo van businesses across many industries—from last-mile delivery to mobile repair services. Examples include:
Please note
Every trucking operation is different, and so are insurance premiums. At GIA Group, we work hard to find the best possible rates and coverage for each client. These stories highlight results we’re proud of, though individual outcomes may vary.
Pennsylvania
February 2026
Auto Hauler - Auto Liability, Cargo Liability, Physical Damage.
Price per truck
$9,700
California
February 2026
General Freight - Non-Trucking Liability, Physical Damage.
Price per truck
$4,100
Illinois
February 2026
Reefer - General Liability, Auto Liability, Cargo Liability, Physical Damage, Non-Owned Trailer Physical Damage.
Price per truck
$13,700
Cost explanation
What does Cargo Van Insurance cost?
Costs depend on location, type of cargo, van value, and driving history.
On average, cargo van insurance ranges from $4,000 to $8,000 per year, with lower rates possible for experienced operators and clean records.
These are estimates only—fill out our quick contact form to get started. We'll help you find the best coverage at a competitive price—without overpaying.
Our advantages
Coverage designed
for independent contractors, delivery drivers, and tradespeople
Trusted carrier access
coverage placed through A-rated and trusted insurers
Fast quotes
and same-day certificates
Expert guidance
for new businesses and growing fleets
Blog
Insights for every truck in your fleet
Explore the GIA Group, LLC blog for real-world tips on insuring semis, box trucks, dump trucks, tow trucks, and more. See how coverage and safety practices translate into better protection for every vehicle you run.
Mar 12, 2026
Fleet operations
Reefer Breakdown Coverage: Why It’s a Must for Refrigerated Freight
How reefer breakdown coverage helps carriers manage cargo loss when cooling systems fail.
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Feb 26, 2026
Fleet operations
Semi-Truck Insurance Cost: Monthly Breakdown and Key Factors
Understand semi-truck insurance cost and how monthly premiums are set.
Read more
Feb 13, 2026
Fleet operations
Semi Truck Insurance Coverage: Costs, Compliance, Strategy
Semi truck insurance coverage: costs, compliance, and key protections explained.
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Feb 5, 2026
Fleet operations
Truck Loading Safety Best Practices & Insurance Impact
Explore best practices for truck loading safety, it may lower risk and operational costs.
Read more
