Question 1

How much does cargo van insurance cost in Florida?

Accepted Answer

Most Brevard County cargo van operators pay between $2,500 and $6,000 per year per van for full commercial coverage. Pricing depends on the type of work (last-mile vs medical vs expedite), driver MVRs, and the liability limit your contract requires — Amazon and broker contracts often require $1M auto liability.

Question 2

Do I need commercial insurance for an Amazon Flex Sprinter?

Accepted Answer

Yes. Personal auto policies almost always exclude delivery work. If you're running Amazon Flex, DSP, or any contracted courier work in your van, you need commercial auto coverage with the limits your contract specifies — usually $1M combined single limit.

Question 3

Do you write hotshot drivers using cargo vans?

Accepted Answer

Yes. Sprinter and ProMaster hotshot operations are a growing segment in Brevard County, especially for time-sensitive aerospace and medical loads. We write the auto liability, cargo, and physical damage these operations need.

Question 4

Can I add multiple drivers to a cargo van policy?

Accepted Answer

Yes. We can schedule employee drivers or add hired & non-owned auto coverage if you use 1099 contractors. Driver MVRs affect pricing, so cleaner records mean lower premiums across the policy.

Question 5

What's covered if my van is stolen in Melbourne?

Accepted Answer

If you carry physical damage (comp + collision), the van itself is covered up to its actual cash value or stated amount. Motor truck cargo would cover the goods inside if they were stolen with the van, subject to your cargo limit and deductible.

Question 6

Do you offer occupational accident coverage for 1099 drivers?

Accepted Answer

Yes. For courier and last-mile operations using 1099 drivers, occupational accident coverage protects drivers without triggering full workers' comp obligations. We can quote it alongside your commercial auto.

Cargo Van Insurance Melbourne, FL

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