Truck Insurance Agency

What is a flatbed van defined as?

Flatbed vans may be identified by its level, flat bed and absence of a roof. In comparison to a standard flatbed truck, dropside vans feature low, hinged sides that may be dropped to make loading and unloading easier.

In the construction business, flatbed vans are most frequently used to transport supplies and machinery to and from project sites.

Since flatbed vans are frequently used for business purposes, you’ll need to get the best business van insurance for your flatbed van’s unique design and intended use.

What type of insurance will I need for a flatbed van?

If you use your car for business, you must get business van insurance.

Commercial van insurance comes in two different types for flatbed and dropside vehicles:

  • Transporting one’s own stuff. This includes any tools, equipment, or supplies that you, your employer, or a business partner own for work-related purposes, as well as your van. It doesn’t include any goods that aren’t yours.
  • Transporting (carrying of commodities for rent and reward) (carriage of goods for hire and reward). If you use your vehicle to transport items that belong to someone else for a price, such furniture, this type of insurance safeguards it. If you are carrying items for your own business, it will also cover you.

No policy will allow you to carry people for pay or incentive, but you probably won’t operate your van like a taxi.

Most insurance plans won’t cover items left in the bed unattended or overnight since flatbed vehicles have an open back.

In order to avoid becoming stranded on the side of the road in the middle of a project, you should also consider purchasing breakdown coverage.

Royalty truck insurance will safeguard you if you cause damage to someone else’s property when loading or unloading your van.

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How much protection do I need for my flatbed vehicle?

The legal absolute minimum is third-party liability insurance. This will protect you in the event of an accident from liability for injury to third parties and damage to another vehicle. Any damage to your own van, personal medical costs, or theft protection are not covered.

Additionally, keep in mind that third-party insurance isn’t necessarily the least expensive choice. It might be helpful to compare various levels of coverage to see if there is, in fact, a difference.

Since it offers the same coverage as third-party liability insurance as well as extra coverage for fire damage and theft, third-party fire and theft insurance is a step up from third-party liability insurance.

Comprehensive insurance can also protect you for personal injury and van damage in addition to everything else you’d expect from a third-party fire and theft coverage.