I am currently doing a business plan for a business that I am thinking of putting up. The business requires the use of a van or two for everyday operations and one of the pointers in the financial aspect of the business plan are commercial van insurance premiums that I have to pay for should I acquire a van or two when the business commences. Since the insurance premiums have to be paid monthly, the cost should be included in the monthly expense projections that I am formulating. So what I did was consult different insurance companies that offer commercial insurance. I chose the one that I think will save me money and at the same time will have enough coverage for the vans. I used the cost in my projections and I learned that there is a big advantage of paying for premiums to insure the vans. Commercial vans are more risky than private ones because different people handle the vehicles and it is hard to make sure that they will all take care of the vehicles.