Educational only: Coverage and registration requirements depend on your facts. Confirm requirements with FMCSA, your state agencies, customers and a qualified commercial insurance professional.
Describe the business accurately
Tell your insurance agent what you carry, where you operate, whether you cross state lines, who owns the goods, whether customers require cargo limits, and whether anyone else drives the van.
Separate vehicle coverage from cargo and liability questions
Commercial auto, cargo coverage, general liability and customer-specific certificates solve different problems. The correct mix depends on the work.
Verify federal registration separately
USDOT-number rules and operating-authority rules are not the same question. Vehicle weight, interstate commerce, for-hire status and cargo can matter. Start with the FMCSA registration guidance linked in our resource directory.
Get written proof before accepting work
If a broker, platform or direct customer requires specific limits or endorsements, get confirmation from your insurer before you promise service.