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Insurance Needs for Delivery Vehicles

- Wednesday, October 12, 2011

Most people use a car to get to work, but what if you have drivers and cars for work. Delivery drivers and businesses have special auto insurance needs.

Personal auto insurance will not cover your employees who use their own cars to deliver pizzas or flowers.Only commercial auto policies cover cars used for commercial purposes.  Personal insurance policies do not cover cars that are used for business purposes unless they are insured for that purpose.
 
A commercial auto insurance policy is needed if:

  • If a vehicle is driven for business purposes, for delivery or good or transporting people, your business needs commercial auto insurance.
  • If your vehicles are rented out for compensation
  • If a your vehicles are used to meet clients or to transport employees.
In terms of  pizza delivery, which is one of the most common types of commercial services, there are commercial auto policies for pizza delivery drivers. Pizza delivery liability insurance is available in Va, MD and DC, and in most states. Delivery insurance covers risks beyond driving accidents.

Contact TriState Insurance for commercial auto or delivery insurance needs.