Three coverages do the work, and they are elected separately.
Liability for the Van
Bodily injury and property damage liability is the foundation, usually written at a $1,000,000 combined single limit because that is what Tampa Bay general contractors, property managers and HOAs request on certificates. Florida's baseline of $10,000 in personal injury protection and $10,000 in property damage liability sits underneath it (ss. 627.736, 324.022, Fla. Stat.).
Uninsured motorist coverage deserves a decision rather than a default. The Insurance Research Council estimated 20.6 percent of Florida drivers were uninsured in 2023, and it must be offered at your liability limits unless rejected in writing (s. 627.727, Fla. Stat.).
Physical Damage, Upfits and Wraps
Collision and comprehensive repair the van itself, including theft, hail, flood and named-storm damage. The detail that matters for work vans is what counts as part of the vehicle. Shelving, bulkheads, ladder racks, interior lighting, refrigeration units and equipment bolted in are permanently attached, and their value belongs in the amount you insure, not in a footnote.
Vehicle wraps are the common blind spot. A full wrap is a real expense, and after a total loss the settlement is based on the van's value, so ask how your carrier treats the wrap before you need to know. Vans with significant upfits are often better written at stated value than actual cash value.
Tools, Parts and Cargo Inside
Physical damage stops at the vehicle. The tools, parts and inventory inside need inland marine or contractors equipment coverage, and material you haul for someone else needs motor truck cargo. Tool theft from vans parked overnight is one of the most routine claims in Tampa Bay trades, and it is the claim most likely to be denied when only auto coverage is in place. Our trailer and equipment insurance page covers that in detail.
