Commercial Auto Insurance for Delivery Drivers and Couriers

If you’re a delivery driver or operate a courier business in California, having the right commercial auto insurance is essential. Your vehicle is a critical part of your business that faces unique risks every day.

Why Commercial Auto Insurance Matters

California law requires commercial auto insurance for vehicles used in business operations, making it crucial for delivery drivers and courier companies. Personal auto insurance typically doesn’t cover accidents or damages that occur while using your vehicle for business deliveries. Without proper commercial auto coverage, you could be responsible for paying costly repairs, medical bills, or legal claims out of pocket.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance is designed to address the specific risks of business vehicle use. Policies may include the following:

• Liability coverage may help pay for injuries or property damage you cause to others while driving for work.
• Physical damage coverage may help cover repairs or replacement if your vehicle is damaged in an accident, by theft, or from other covered events.
• Medical paymentscoverage may offer assistance with medical expenses for you and your passengers after an accident.
• Uninsured/underinsured motorist coverage helps if you’re involved in an accident with an at-fault driver who lacks adequate insurance.
• Hired and non-owned auto coverage extends financial protection when you or your employees use personal or rented vehicles for deliveries.

Who Needs This Coverage?

Our team recommends commercial auto insurance for:

• Independent delivery drivers using their own vehicles for business
• Courier companies with a fleet of cars, vans, or trucks
• Small businesses offering delivery services as part of their operations

Contact Us

Every delivery business is unique, and so are its insurance needs. The experienced team at Atwood Agency (DBA ISU Insurance Services) in Placerville and Georgetown, CA helps drivers and business owners find policies that fit their specific risks and budgets.

Contact us today to discuss commercial auto insurance for your delivery or courier service.

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.