Why Personal Auto Coverage Often Falls Short
A standard personal auto policy often doesn’t cover the risks of using your vehicle for deliveries. Delivery trucks are frequently on the road for long hours, make multiple stops, and may be loaded with valuable goods — all of which increase exposure to accidents, theft, or liability claims. Most businesses operating delivery trucks choose commercial auto coverage to address these risks.
Common Coverage Options for Delivery Trucks
Coverage terms and availability vary by insurer and location. Always confirm exact details with your provider.
- Liability Coverage – May help cover injury or property damage claims if you or an employee cause an accident.
- Physical Damage Coverage – May help pay for repairs or replacement if your truck is damaged by a covered event like a collision, theft, or vandalism.
- Cargo Coverage – May help protect goods or packages in transit against damage or loss.
- Uninsured/Underinsured Motorist Coverage – May help protect you if you’re hit by a driver without adequate insurance.
- Hired and Non-Owned Auto – May help protect your business when using rental trucks or employee-owned vehicles for deliveries.
Factors That Can Affect Cost
Industry estimates suggest rates may range from $1,500 to $3,000 per year per vehicle, but actual premiums can be higher or lower depending on factors such as:
- Vehicle value and type
- Driving records of all drivers
- Cargo type and value
- Delivery territory and mileage
- Chosen coverage types and limits
Tips for Getting the Right Delivery Truck Insurance
- Disclose Your Routes – Insurers may need to know your delivery zones for accurate pricing.
- Consider Cargo Protection – High-value goods may require separate cargo coverage.
- Review Deductibles – Choose an amount you can comfortably handle after a loss.
- Update Annually – Adjust your policy if your routes, drivers, or truck fleet change.
