Operations this guide may include
- Local and regional box-truck delivery
- Last-mile and contracted delivery service
- Furniture, appliance, retail, and business-to-business delivery
- Straight-truck fleets with loading, unloading, assembly, or installation
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- What commodities are transported, and what is the maximum value in one vehicle?
- Are operations for hire, under contract, or limited to the business's own goods?
- What are the vehicle weights, delivery radius, annual mileage, and operating states?
- Do drivers enter customer premises, perform installation, use helpers, or handle stairs, lifts, or heavy items?
Coverage topics to discuss
Commercial auto liability
Liability considerations for scheduled box trucks, straight trucks, and delivery vehicles.
Motor truck cargo
Potential protection for covered property transported for customers, subject to policy terms.
Physical damage
Collision and other covered damage considerations for owned or financed vehicles.
General liability
Loading, unloading, delivery, installation, and customer-premises exposures beyond driving.
Information worth preparing
- Vehicle schedule with VINs, weights, values, ownership, and financing
- Driver roster, licenses, experience, and motor vehicle records
- Commodity, customer, contract, radius, mileage, and revenue breakdown
- Cargo limits, loading procedures, current insurance, and loss runs
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Explore this guide →This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.