Coverage
Two coverages, one idea: cargo insures the goods in your care, and physical damage insures the vehicles that carry them.
Auto liability never pays for the packages in your van or the van itself. If your contract makes you responsible for the goods, cargo coverage is how that responsibility gets insured. Physical damage — collision and comprehensive — is how your own vehicles get repaired or replaced.
Sizing is practical: cargo limits should match the most value one vehicle carries at once, and physical damage deductibles should match what your cash flow can absorb. I price both against your actual manifest and fleet list.
Questions
It pays for loss or damage to the goods in your care while they move — theft from the vehicle, damage in a collision, and similar events, subject to the policy's terms. If your contract holds you responsible for packages, this is the coverage that responds.
Match the limit to the most value a single vehicle carries at once, then check the contract for a required minimum. A parcel van's exposure differs from a truck moving furniture or electronics, so the honest answer comes from your manifest, not a rule of thumb.
Collision covers your vehicle hitting something or being hit. Comprehensive covers most everything else — theft, vandalism, weather, fire, glass. Fleets usually carry both on newer vehicles and weigh dropping physical damage on older ones.
The intake takes about five minutes. I quote against your actual vehicle and driver list, not a generic profile.
TISKIY