What insurance do I need for my Sprinter van fleet?

Sprinter van operators typically need commercial auto liability (minimum $750,000 CSL, often $1M+), physical damage coverage, hired and non-owned auto, general liability, and workers' compensation if you have employees. Higher limits may be required for airport contracts or luxury transportation.

Does my Sprinter van insurance cover passenger transportation?

Yes, our commercial auto policies for Sprinter vans include passenger transportation coverage. This covers bodily injury to passengers, which is essential for executive shuttles, airport transfers, and group transportation services.

What's the difference between cargo van and passenger van insurance?

Cargo van insurance covers goods and freight transport with emphasis on cargo liability and theft protection. Passenger van insurance focuses on bodily injury liability for transported passengers and requires higher liability limits. Some operators need both coverages.

Can I insure a single Sprinter van or do I need a fleet?

We offer insurance for single-vehicle operators as well as large fleets. Our programs accommodate owner-operators with one vehicle up to commercial fleets with 50+ vehicles. Rates are often more competitive for fleets of 3+ vehicles.

Do you cover modified Sprinter vans with luxury interiors?

Yes, we provide coverage for custom-built and modified Sprinter vans including executive configurations, luxury interiors, and accessibility modifications. We can insure the full value of your customizations and specialized equipment.

Commercial Coverage

Sprinter & Van Insurance

Commercial auto insurance for Sprinter vans, cargo vans, and passenger shuttle services.

Overview

Mercedes Sprinter vans and commercial vans have become the backbone of executive transportation, airport shuttle services, and delivery operations. Our specialized insurance programs protect your van fleet with comprehensive coverage designed for commercial vehicle operators.

Whether you operate luxury executive Sprinters, passenger shuttles, cargo vans, or medical transport vehicles, we provide tailored coverage through A-rated carriers including Philadelphia Insurance Companies (PHLY), National Interstate, and Texas Insurance Company.

Vehicles We Insure

Mercedes Sprinter

Executive, passenger, and cargo configurations

Ford Transit

Passenger vans, cargo vans, and cutaway models

RAM ProMaster

Commercial and passenger configurations

Chevrolet Express

Passenger and cargo van models

GMC Savana

Passenger and cargo configurations

Nissan NV

Cargo and passenger van models

Custom Conversions

Luxury builds, wheelchair accessible, specialty

Cargo Vans

Delivery, courier, and freight operations

Who Needs This Coverage?

Executive Sprinter transportation services

Airport shuttle and hotel transfer operators

Corporate employee shuttle services

Wedding and event transportation

Medical transportation (non-emergency)

Tour and sightseeing operators

Delivery and courier services

Last-mile logistics providers

Coverage Includes

Comprehensive protection designed for commercial van operations.

Auto Liability

Up to $1.5M Combined Single Limit
Uninsured/Underinsured Motorist
Personal Injury Protection
Passenger liability coverage

Physical Damage

Comprehensive and Collision
Custom equipment coverage
Zero deductible glass
Towing and roadside assistance

Cargo Coverage

Motor truck cargo insurance
Theft and damage protection
Temperature-sensitive cargo
High-value goods coverage

Business Operations

General liability coverage
Workers' compensation
Hired and non-owned auto
Electronic equipment coverage

Key Benefits

Airport Access

Coverage meets airport authority requirements for ground transportation permits

DOT Compliance

Policies meeting DOT and FMCSA requirements for interstate operations

Competitive Rates

Fleet discounts and flexible payment options for growing operations

Driver Training

Free online defensive driver training and risk management resources

Corporate Contracts

Certificate issuance for corporate client and venue requirements

Excess Liability

Umbrella coverage available up to $10M for larger operations

Coverage Options

Comprehensive insurance protection designed specifically for your transportation operations.

Auto Liability

The foundation of any commercial auto policy. It protects against financial loss if you or your drivers are found at fault for an accident that injures others or damages their property.

Required by law for all commercial vehicles. Limits typically range from $750,000 to $5 Million depending on vehicle capacity and regulatory requirements (PUC/DOT).

Auto Physical Damage

Covers the cost to repair or replace your vehicle if it's damaged in an accident, stolen, vandalized, or damaged by fire or weather.

Includes Collision (accidents) and Comprehensive (theft, fire, glass, etc.) coverage. Essential for protecting your fleet investment.

Workers' Compensation

Provides medical benefits and wage replacement to employees injured on the job. Mandatory for businesses with employees in California.

Protects your business from lawsuits related to workplace injuries. Covers medical bills, rehabilitation costs, and lost wages.

General Liability

Protects your business from third-party claims of bodily injury or property damage that occur on your premises or as a result of your business operations (non-driving).

Crucial for slip-and-fall accidents at your office, advertising injury, or customer property damage not involving the vehicle itself.

Garage Liability

Essential for transportation companies that maintain their own fleet. Covers liability arising from garage operations including vehicle maintenance and repair.

Includes Garagekeepers Legal Liability to protect customer vehicles in your care, custody, and control. Hired & non-owned coverage also available.

Excess Insurance

Provides higher liability limits beyond your primary policy. Often required for high-profile contracts, airports, or municipal bids.

Can extend coverage limits to $10 Million, $20 Million or more. Acts as a safety net for catastrophic claims.

Commercial Property

Protects your physical business assets, including your office building, furniture, computers, and tools.

Can be bundled with General Liability in a Business Owners Policy (BOP) for cost savings.

Cyber Liability

Protection against data breaches and cyber attacks. Essential for transportation companies handling sensitive client data and payment information.

Covers notification costs, credit monitoring, legal fees, and fines associated with data breaches.

Coverage Limits at a Glance

Auto Liability

$750,000 / $1M / $1.5M / $5M CSL
Medical Payments: $5,000 or $10,000
PIP where applicable
UM/UIM up to $1M available

Physical Damage

Deductibles from $1,000
Roadside: $300 aggregate/vehicle
Windshield: $100 deductible
Chip repair: No deductible

General Liability

Limits up to $5 million
Higher limits available on request

Excess Liability

Up to $20,000,000 available
Following form: $10M x $5M

Sprinter Van Insurance FAQs

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Get specialized coverage designed for commercial van operators. From single vehicles to large fleets.