Typical Basics For Route Driver Coverage

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The basic insurance requirements include:  

-Business or general liability - Generally provides coverage up to $1,000,000 per occurrence or $2,000,000 aggregate 

-Commercial auto insurance - This is the most basic coverage for the most common accidents that may result in bodily or personal injury, damage to your property, damage to another party’s property, and even wrongful death, up to $1,000,000. In some cases, it can also cover cargo in transit.  

-Workers’ compensation - In the event that your employees are injured while working, like when loading or unloading cargo, this cover will cater for hospital expenses and lost wages so you don’t have to pay out-of-pocket, up to $1,000,000. It is also mandatory in most states.  

Cargo liability - This insurance is necessary to protect you from sticky situations, where the cargo is lost, stolen, damaged, or delivered late. These events are inevitable in the delivery business, so you should protect yourself sufficiently to avoid costly claims. The requirement is is  $20,000 or higher.  

What type of insurance do I need as a multi-operator?

Current insurance requirements are $2 million of general liability and $2 million for auto liability, or $1 million of general liability and $1 million of auto liability with a $1 million umbrella policy minimum for each driver. 

Owners with multiple employees will need a multiple vehicle policy and worker’s compensation.  Through our size and volume, we have partnered with one of the best insurance brokers in the nation to offer the best rates 

*** Information on this page is just as a quick reference. These are typical references for route drivers, programs differ for ride share providers.  All coverages and detailed information should be done on an individual basis with an appropriately licensed insurance broker.