Commercial vehicles are insured based on their cost new, which is typically the factory version of the vehicle. Standard insurance does not provide coverage for the extras you install afterward. In order to have coverage for the customization, you must provide us with a value of the customization and brief description. For example, a delivery van may have a special paint job to advertise your business and racks mounted on the inside of the van at a cost of $7000. If your van is only insured for the price you paid for it new, you'd be out $7000 at the time of a loss.
Our motto is "better safe than sorry." If you're not sure if your policy includes customization, call us. Better to ask now than be sorry later.