Does Commercial Auto Insurance Cover Delivery Accidents? 

If your business involves delivering goods, transporting equipment or making regular client visits, the vehicles doing that work carry more liability than a standard personal policy is built to handle.

Commercial auto insurance is designed to protect businesses from the financial fallout of accidents that occur during work-related driving, including delivery operations.

What Commercial Auto Insurance Covers

A commercial auto policy typically covers vehicles owned or leased by a business and used for work purposes. For delivery operations, this may include:

• Liability coverage—May help cover bodily injury and property damage that a business’s drivers and vehicles cause to others
• Collision coverage—May help cover damage to your own business vehicle from an accident, regardless of fault
• Comprehensive coverage—May help cover noncollision losses such as theft, vandalism, fire or weather damage
• Uninsured/underinsured motorist coverage—May help cover accidents caused by a driver with insufficient or no coverage

The details of your policy depend on the coverage types you select, as well as its deductibles and your policy limits.

When Coverage Gets Complicated

Delivery scenarios can create gaps in coverage that businesses do not always anticipate. Hired and non-owned auto coverage is worth adding if employees use their personal vehicles for deliveries, since standard commercial auto policies generally cover only vehicles the business owns or leases. If a worker gets into an accident while making a delivery in their own car, your business may still face liability without this added coverage.

Covering Your Business on the Road

Contact Jordan River Advisors to review your current commercial auto coverage or explore options that fit your delivery operations. Our team can help you find the right policy in East Syracuse, NY.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.