If you use your personal vehicle to deliver food, newspaper or any other type of delivery, you need to get a commercial auto policy. A personal auto policy has restrictions on vehicle usage and the insurance company can deny coverage if vehicle is used for this type of business.
There are exemptions however (i.e. real estate agent, a doctor or a contractor), you can keep your personal auto policy with an added business use endorsement, however there cannot be any company signs displayed on the vehicle and usually there is a two job sites a day limit with a personal auto policy.
A commercial auto policy has no such restrictions, you can have company signs on the vehicle and no minimum job sites per day. If you are delivering pizzas, a commercial auto policy is the best way to ensure you have proper coverage in case of an accident. But isn’t a commercial policy a lot more money? A lot of times a commercial auto for local deliveries is the same as a personal policy, so there is no need to skimp on coverage and expose yourself to liability if the claim is denied.
We at Bargain Insurance Connection can quote you with multiple companies to get you the best price on a commercial auto policy. Simply call us at 816.453.7722 or fill out our online form and let us know in the comments that you want a commercial auto policy.