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Business Auto Insurance For
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Business Auto Insurance For Delivery Services

Owning a delivery services business guarantees that you and your employees travel constantly. The success of your business relies on it. Such frequent driving increases the risk of auto accidents. Whether your delivery services company uses personal vehicles, light duty pickup trucks or business delivery vans, you need to protect them with delivery services auto insurance. Commercial auto insurance for delivery services protects you and your company from potential financial hardships that are frequently caused by an auto accident. A severe auto accident can destroy the vehicle you’re driving and the customer delivery packages that were being transported inside. Your business auto insurance can be set up so that it protects your company from vehicle or equipment losses, and damages that are caused by a collision, theft and natural weather events. The bodily injury portion of your coverage makes sure that you and your employees will have emergency treatment and medical care costs paid for as well.

Commercial Auto Liability Insurance For Delivery Services

Commercial liability auto insurance for delivery services will help protect vehicles that you and your employed drivers use for work reasons. Liability insurance for businesses is designed to protect your business assets along with other innocent drivers when you or one of your employees is the reason for an auto accident happening. It protects your company by restricting the amount of damages you will have to pay for directly. It protects others by paying for damages when they’re not at fault. Liability auto insurance provides coverage for you and your employees when you’re traveling for work purposes. When employees are driving around delivering customer packages for example, or delivering materials and supplies for your shipping center, your delivery services commercial auto insurance coverage has you protected.

Combined Single Limits

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Other Coverages

General Liability

A CSL policy, or combined single limit coverage provides your company with a fixed maximum payout amount for each accident. This policy doesn’t place limits based on whether there were bodily injury or property damages. Instead, it provides you with benefits and coverage protection up to the total maximum as specified in your policy. For example, if your employee is the cause of an accident that hurts multiple people, most of your total policy benefits may go towards bodily injury expenses since that is where it’s needed most.

Split Limit Policy

A split limit auto insurance policy differs from the CSL by specifying policy payout maximums based on the type of damage that occurred. Each state sets the minimum coverage that is allowed by law, and your business policy determines the maximum payout amounts for property damages and bodily injuries separately.
For example, if you choose a split limit policy of $100,000/$300,000/$50,000 for your commercial delivery services auto insurance:

Physical damages coverage

Physical damages coverage gives your company additional protection against the loss and damage of business vehicles. For example, if one of your delivery drivers is driving the company refrigerated shipping truck and collides with a loading dock, the truck may need expensive repairs. If you carry physical damages coverage as part of your business auto insurance policy it will pay for the cost of replacing that shipping truck.

Physical damage insurance coverage may include:
Other Optional Coverages

Business Auto Insurance For Delivery Services

Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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