Every delivery business should have commercial delivery insurance. From owner-operator sized businesses to large fleets, our agency has access to the right market for your company. In fact, we’ll shop all of the currently competitive markets on your behalf so that you can focus on what matters to you most.
Types of Coverage
Because you’ve chosen to deliver goods for a fee, your business auto coverage technically falls into the “Livery” classification. Not all insurance carriers can cover this type of transportation, so it’s important that you get the proper policy in place. Because your vehicle and driver are under contract, any old auto policy will not do. Our licensed brokers are well-versed in where to shop your application to get the most competitive pricing on the proper policy type. Delivery vehicles tend to be on the road more often than other business categories, and therefore risks must be assessed properly. Here’s an introduction to the types of coverage that commonly apply to a delivery business:
Covers passengers in other vehicles, as well as pedestrians / drivers up to the bodily injury limits listed on your policy.
(Auto) Property Damage
Covers damage to property caused by your employed vehicle operator up to the limits listed on the policy.
Comprehensive & Collision
Covers small damage to your owned vehicle as well as theft, total destruction, fire and other causes of loss up to the current value of your vehicle. A deductible typically applies.
Personal Injury or Medical Coverage
Covers the driver up to the amount listed on the policy for damage to self if they cause the accident. This amount can be used towards medical bills or towards the deductible on the drivers own health insurance if they have that coverage.
Specific to the delivery sector, the type of cargo that you are hauling and how much it is worth is very important in ensuring you have proper coverage. This ensures what you are transporting gets where it needs to go without worry of theft, fire and other associated risks.
Other business insurance products such as General Liability, Workers’ Compensation and Business Owner’s Policies are also available.
The coverage you need.
Technology in the Delivery Space
The delivery service landscape has drastically changed since the advent of the internet. This is largely due to the introduction of app stores and apps related to this business classification.
We pride ourselves on being one of the only agencies in the U.S. poised to insure app-based delivery companies and have successfully provided valuable insight and service to many of our clients who’ve found themselves in uncertainty while navigating the insurance requirements related to their unique app-based delivery businesses.
Our agency has exclusive relationships with incubator programs that insure the tech and transportation space. At ABIS, we are both equipped to and interested in working with delivery companies that are seeking to scale and evolve into the future. In addition to transportation and delivery insurance services, we also offer Cyber-Insurance programs. These custom-written programs keep peer-to-peer and app-based companies in mind.
Read more about our app-based business insurance here.
Request a Quote
For a fast delivery insurance quote, please fill out and submit the form below and a licensed insurance agent will contact you shortly!
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