Business Insurance for California Transportation & Delivery Businesses

Operational exposures

• Auto liability from accidents
• Cargo damage or theft in transit
• Employee injury from loading and driving
• Third-party claims at delivery sites

Relevant coverage options

These coverages are commonly considered for this industry. Coverage depends on policy wording, exclusions, limits, and underwriting — no policy automatically covers every example below.

• Commercial Auto — Liability, physical damage, and coverage for business-use vehicles.
• Inland Marine — Tools, equipment, and goods in transit or off-premises.
• Workers' Compensation — Statutory coverage for employees' on-the-job injuries and certain occupational disease.
• General Liability — Third-party bodily injury, property damage, and advertising injury.
• Commercial Umbrella — Extra liability limits above primary policies for severe claims.

Common policy limitations

• Cargo may need motor truck cargo separate from auto
• Auto liability limits must meet regulatory and contractual needs
• Hired and non-owned auto may be needed for owner-operators

Information typically needed for a quote

• Fleet size and vehicle types
• Drivers and their records
• Cargo types and radius of operation
• Contractual and regulatory limit requirements

A practical claim scenario

Situation: A delivery vehicle is in a collision that injures a third party and damages cargo.

How coverage may respond: Commercial auto may address liability and collision, while cargo coverage may address the goods — subject to each policy's terms and limits.