Trade insurance
Insurance for delivery drivers.
Most personal auto policies exclude commercial delivery; drivers need a delivery/business-use endorsement or commercial auto to keep claims from being denied.
Updated 2026-05-16 · Beaconcover editorial§ 01
Why this matters
What can go wrong on the job.
- Personal-policy exclusion. Delivery use voids most personal auto coverage
- Accident during deliveries. Platform coverage is often limited/secondary
- Cargo/customer-property claims. Damaged or lost goods
§ 02
Required vs recommended
What contracts require, and what's worth adding.
§ 04
Common gaps
Where this coverage trips people up.
Food vs parcel delivery can be rated and excluded differently
Platform coverage is typically thin until a delivery is actively in progress
A business-use endorsement is the cheapest compliant option for most
§ 05
Before you bind
Questions to ask any carrier for delivery drivers.
- Does the quote include the lines listed above as typically required?
- What does a certificate of insurance cost and how fast can the carrier issue one?
- How is workers' compensation rated for this trade — by payroll or by class code?
- Is there a separate deductible for tools and equipment in transit between sites?
- If a client requires an additional-insured endorsement, is there a fee?