Delivery drivers use either their own vehicle or company vehicles for commercial use and so they need more than a personal auto insurance.
Injury to people or damage to property or other cars while making deliveries is a real possibility. These expenses will not be covered by personal auto insurance and delivery driver are considered high risk because of the amount of time spent on the road. As a result, autos used for deliveries need to opt for commercial auto insurance.
Delivery drivers and businesses that require them, have special commercial auto insurance needs. Because delivery drivers and their cars are always on the road this increases their chance for an accident. The more miles driven, the greater the chance of an accident. If you have commercial vehicles for your business, opt for commercial auto insurance.
Personal auto insurance will not cover employees who use their own cars for deliveries. Nor do personal insurance policies cover cars that are used for business purposes. If your company employee uses their own vehicle to make deliveries for the company, they can get a rider in their insurance policy. If the business offers company cars opt for commercial auto coverage for your business.
Your company needs a commercial auto policy if vehicles are driven for business purposes, if you rent vehicles, or if your vehicles transport employees or customers.
Pizza delivery is one of the most common types of commercial delivery services and VA, MD and DC offer commercial auto policies for pizza delivery drivers specifically. Delivery insurance covers risks beyond driving accidents.
Contact TriState Insurance for information on commercial auto or delivery insurance needs.