The delivery economy is booming — and so is the need for proper insurance. Whether you're delivering food, packages, flowers, medical supplies, or e-commerce orders, your delivery vehicle needs commercial coverage that protects you on every route. Personal auto policies exclude delivery use. Our agency places delivery vehicle policies with carriers who specialize in this fast-growing market.
Food delivery services, package delivery companies, e-commerce fulfillment operations, florists, pharmacies with delivery, meal prep delivery, grocery delivery services, medical supply delivery, and any business that delivers products directly to customers.
Almost certainly not. Personal auto policies exclude commercial delivery use. If you're delivering food, packages, or any goods for business purposes, you need commercial auto or a delivery-specific endorsement. A personal policy will deny delivery-related claims.
Delivery vehicle insurance typically costs $2,000–$6,000/year per vehicle, depending on vehicle type, cargo, delivery volume, and driver records. Multi-vehicle operations may qualify for fleet discounts.
Platform companies provide some coverage while you're on an active delivery, but it's limited and doesn't cover you between orders or for non-platform use. We recommend a commercial policy that covers you 24/7, with or without a platform order active.
Get a free quote or call (321) 206-8035.