The short answer
Personal auto policies exclude any business use for delivery — a delivery driver's personal policy will deny after an accident. You need Hired and Non-Owned Auto (HNOA) coverage — often included in a BOP — plus Commercial Auto if you own vehicles. Workers' comp is required in most states for the driver's own injuries.
Frequently asked
- What about 1099 delivery contractors?
- Their personal policy still won't cover deliveries. Require proof of a commercial policy or add HNOA to your business insurance.
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