Commercial Car Insurance for Delivery Drivers
These high-risk drivers can be hard to insure.
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Commercial Car Insurance for Delivery Drivers

As demand for deliveries stretch beyond pizza and takeout, more businesses may need commercial car insurance for delivery drivers. Depending on your business model, Commercial Auto Insurance and Hired and Non-Owned Auto Insurance might be an appropriate fit.

However, insurance carriers are often reluctant to cover delivery driving because of its unique risks, including…

  • Young or inexperienced drivers.
  • High driver turnover.
  • Reckless driving caused by pressure to deliver quickly.

The lack of coverage options can be frustrating, especially as more businesses offer apps to help customers get appliances, alcohol, or new threads delivered to their home within hours. If you can't obtain commercial car insurance for your delivery drivers, it leaves your business exposed when a driver gets into an accident.

We understand this challenge and we're working hard to find carriers that can write policies that include delivery driver coverage.

Which Type of Commercial Car Insurance Is Right for My Business?

Commercial Auto Insurance or Hired and Non-Owned Auto Insurance might be right for your business, especially as carriers expand these policies to cover delivery driving. The policy that's best for you depends on who owns the vehicles in question: your business or your employees.

Commercial Auto Insurance provides liability protection when your drivers get into an accident while driving a company-owned vehicle. It can pay for property damage or physical injuries your driver causes, plus related legal expenses. It can also cover medical expenses if your driver is injured in the accident.

However, if you're like most delivery-based businesses, your drivers probably use their own vehicles to make deliveries. Commercial Auto Insurance doesn't provide coverage for drivers involved in an accident while driving their personal vehicle.

Hired and Non-Owned Auto Insurance can cover employee accidents that happen while using their personal vehicles for business errands. This coverage can also apply to vehicles your business rents.

Want to learn more about commercial car insurance for your delivery drivers? Contact an Insureon agent today to see how we can help you protect your business and your drivers.

Commercial Auto Insurance: Further Reading