Need Insurance for a Courier or Delivery Contract?

A courier or delivery opportunity may require proof of insurance before you can start the route or contract. The contract may mention commercial auto, general liability, cargo coverage, workers’ compensation, certificate-holder wording, or additional insured status.

The confusing part is that delivery insurance is rarely just one simple question. The right conversation depends on what you deliver, what vehicle you use, who owns the vehicle, who hires the drivers, and what the contract requires.

If you use a vehicle for business deliveries, the insurance question may be different from ordinary personal driving. Some contracts require commercial auto coverage. Others may ask for hired and non-owned auto, cargo coverage, or proof that the company hiring you is listed correctly on a certificate.

If the contract involves a cargo van, box truck, fleet vehicle, personal car, route agreement, or delivery platform, send Redoubt the insurance section before guessing what coverage is needed.