Operations this guide may include
- Dealer and fleet vehicle delivery
- Commercial truck, bus, RV, and specialty-vehicle drive-away
- Independent contractor and employee driver operations
- Local, regional, and nationwide vehicle relocation
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- Which vehicle types, values, ownership arrangements, and customers are involved?
- Who supplies plates, fuel, permits, inspection records, and delivery instructions?
- How are drivers hired, qualified, dispatched, monitored, and returned after delivery?
- What do contracts require for liability, physical damage, deductibles, custody, and delivery documentation?
Coverage topics to discuss
Commercial auto liability
Liability considerations for vehicles operated during qualifying drive-away service.
Physical damage and customer vehicles
A detailed discussion of responsibility for damage to vehicles being delivered.
Hired and non-owned auto
Potential considerations when the business uses vehicles it does not own, subject to policy terms.
General liability
Operational exposures beyond the direct movement of a vehicle.
Information worth preparing
- Vehicle-type, value, customer, route, mileage, and volume breakdown
- Driver roster, licenses, experience, screening, and motor vehicle records
- Plate, permit, inspection, dispatch, tracking, and delivery procedures
- Contracts, requested limits, current insurance, and detailed loss history
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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.