Connect the policy to actual vehicle use
Delivery exposure depends on vehicle type, goods, route density, driver model, app or dispatch use, loading, customer premises, parking, theft, and whether transportation is for hire or supports the insured's own business.
Risks to review
- High stop frequency, urban traffic, parking, and backing
- Employee, contractor, temporary, or gig-driver arrangements
- Cargo theft, damage, refrigeration, and custody
- Time pressure, distraction, fatigue, and route changes
Information to prepare
- Vehicle types, ownership, values, and number of routes
- Drivers, employment status, screening, training, and turnover
- Goods delivered, maximum values, radius, stops, and hours
- Contracts, dispatch technology, safety controls, and losses
Frequently asked questions
Does commercial auto cover goods being delivered?
Auto coverage generally focuses on vehicle liability or damage. Cargo, property in transit, refrigeration, or customer goods may require separate protection.
Should independent contractor drivers be disclosed?
Yes. Contract language does not by itself eliminate auto liability exposure. Ownership, control, insurance, and actual work practices should be reviewed.
Coverage descriptions are general. Availability, eligibility, limits, deductibles, exclusions, and policy terms vary by vehicle, driver, operation, jurisdiction, and insurance market. Actual policy documents control.