Insurance for delivery & courier services
Local delivery, last-mile and courier businesses live on the road, often with drivers using their own vehicles.
Risks worth reviewing
- Accidents while making deliveries
- Packages lost or damaged in transit
- Drivers using personal vehicles for work
- Injuries while loading and unloading
Coverage businesses like yours often review
- Commercial auto
- General liability
- Workers' compensation
- Inland marine
- Umbrella & excess
- Hired & non-owned auto
- Occupational accident
Common questions
Does a driver's personal auto policy cover deliveries?
Many personal policies limit or exclude delivery use. The business side and the driver's side are worth reviewing together.
Are independent contractor drivers covered?
It depends on how they're classified and what they carry. Occupational accident is one option for 1099 drivers.
General information only. Every business is different, and coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits.