Delivery & Courier Insurance for California Operators.

Commercial auto covers vehicles owned by your business. Hired & non-owned covers vehicles you don't own — rented vehicles (hired) and vehicles owned by employees but used for business (non-owned). For delivery operations using driver-owned vehicles, hired & non-owned is the primary auto coverage. We structure both together based on your actual fleet mix.

Amazon DSP, FedEx Ground contractors, and similar arrangements typically require specific insurance limits and endorsements detailed in your contractor agreement. We've placed coverage for DSPs and ISPs — the requirements are very specific (auto limits, cargo limits, hired & non-owned, additional insured wording). We match the contract requirements exactly.

California's AB-5 ABC test makes most delivery driver relationships fail the contractor test — drivers performing the core function of a delivery business are presumed employees. There are some exemptions for true app-based gig workers, but traditional courier operations almost always have W-2 drivers. We help structure relationships correctly and ensure workers' comp covers everyone who should be covered.

Cargo insurance pays for damage to packages during delivery — collision, theft from vehicle, mishandling. Most delivery contracts include cargo coverage requirements (often $50K-$250K per vehicle). We size cargo limits to the maximum value typically loaded in a single vehicle, plus a safety margin.

Commercial auto policies use 'covered auto symbols' to define which vehicles are covered. Symbol 1 covers 'any auto' — broadest coverage. Symbol 7 covers only 'specifically described autos' — narrower. For delivery operations with frequent fleet changes, symbol 1 prevents accidental coverage gaps. We typically place delivery operations on symbol 1 with appropriate underwriting.

Yes. Refrigerated delivery (food, pharmaceuticals) needs cargo coverage that includes spoilage from refrigeration failure — not all cargo policies include this. Specialty cargo (high-value electronics, art, medical) often needs higher per-load limits or specific carrier endorsements. We match coverage to actual cargo profile.

Umbrellas extend the auto liability limits. Standard commercial auto might be $1M per accident. A serious accident with multiple injured parties can exceed that quickly. Umbrellas at $1M-$5M provide the cushion. For delivery operations with significant vehicle exposure, an umbrella is often the most important single coverage decision.

Three drivers: hiring criteria (driver age, MVR history, experience), claims management (small claims handled in-house when possible, prompt reporting on bigger ones), and route/vehicle maintenance (telematics data, vehicle inspections, defensive driving programs). We help operations implement risk management programs that carriers reward with rate stability.