Question 1

What is a common misconception about Commercial Auto for Courier & Delivery?

Accepted Answer

Single-vehicle couriers think personal auto suffices. Personal auto excludes 'delivery' as a class of business use.

Question 2

What happens if courier & delivery don't have Commercial Auto?

Accepted Answer

Driver runs red light, T-bones a vehicle — $185K injury. Commercial auto pays. Personal auto would have denied.

Question 3

What is a common misconception about General Liability for Courier & Delivery?

Accepted Answer

Couriers think auto covers everything. GL covers customer property damage at delivery (door, fence, landscaping).

Question 4

What happens if courier & delivery don't have General Liability?

Accepted Answer

Driver damages garage door while reversing — $4K repair. GL pays.

Question 5

What is a common misconception about Workers' Compensation for Courier & Delivery?

Accepted Answer

1099 driver classification is a hot enforcement area — state labor commissioners reclassify drivers as employees regularly, triggering WC back-premium and penalties.

Question 6

What happens if courier & delivery don't have Workers' Compensation?

Accepted Answer

Driver back injury lifting a heavy package — $24K. WC pays.

Question 7

What is a common misconception about Inland Marine (Tools & Equipment) for Courier & Delivery?

Accepted Answer

Auto policy doesn't cover cargo. Motor truck cargo or inland marine is required.

Question 8

What happens if courier & delivery don't have Inland Marine (Tools & Equipment)?

Accepted Answer

Theft from a parked van: $14K of customer goods. Cargo coverage pays.

Question 9

What is a common misconception about Commercial Umbrella for Courier & Delivery?

Accepted Answer

Couriers think $1M is enough. Multi-vehicle accidents push past quickly.

Question 10

What happens if courier & delivery don't have Commercial Umbrella?

Accepted Answer

Accident causes $3M in injuries — $1M auto + $2M umbrella pays.

Courier & Delivery Insurance Coverage Guide | RISKX