Esurance Coverage for Your Delivery Business
Running a delivery service is exciting—but it also comes with risks. Your vehicles, drivers, and packages all need solid protection. Esurance lets you build business insurance that fits how your company runs—what you deliver, how far you travel, and who’s behind the wheel.
This guide explains how to set up the right policy, what documents you’ll need, why personal auto insurance isn’t enough, and easy ways to lower your premium.
Steps to Get Delivery Coverage with Esurance
- Check your risks: Look at your fleet size, delivery range, number of daily stops, and whether drivers are employees or contractors. Also note if you cross state lines.
- Prepare documents: Gather your business license or EIN, driver list with consent forms, claims history, vehicle VINs, parking addresses, cargo value, and client requirements.
- Request quotes: Visit the Esurance site or speak with an agent. Ask for a few quote options with different limits and deductibles to compare real coverage, not just price.
Before you apply, it helps to see how others handle coverage. For example, read the Esurance vehicle-theft claim process to learn what paperwork and timing to expect during real claims.
Get Auto Insurance Quotes
Get instant auto quotes for your delivery fleet.
Get Home Insurance Quotes
Check home insurance rates for your business base.
Key Coverages to Consider
- Commercial Auto: Covers business vehicles for liability, collision, and property damage.
- Hired & Non-Owned Auto (HNOA): Protects your company if workers use personal or rented cars for deliveries.
- Motor Truck Cargo: Covers goods in transit. Review exclusions and item limits carefully.
- General Liability: Covers injuries or damage during loading, unloading, or at a customer’s site.
- Roadside Assistance & Rental Reimbursement: Keeps deliveries running after an accident or breakdown.
Watch for Exclusions
- High-value items: Jewelry, electronics, or alcohol often have payout limits—ask about endorsements.
- Spoilage: If you deliver perishable goods, add refrigeration or spoilage coverage.
- Theft without forced entry: Train drivers on vehicle safety and consider GPS tracking to cut theft risk.
You can lower premiums with safety programs, telematics, and a clean claim record. Compare rates with other insurers—see Geico quotes—but always match coverage and deductibles when comparing.
When requesting quotes, include details like route length, busy seasons, and cargo type. Esurance uses this info to tailor limits and deductibles for your needs. If you also deliver for gig apps, check Esurance coverage for gig workers to ensure full protection.
Quick Claims Checklist
After any accident, take photos, secure the cargo, and notify clients if needed. File your claim quickly and include trip logs, dashcam videos, police reports, and repair estimates. For step-by-step help, see Esurance’s flood-damage claim guide—the same process applies to delivery losses. Keep claim numbers, contact names, and call times in one place.
Frequently Asked Questions
Commercial auto, HNOA, cargo, and general liability. You can also add roadside help and rental reimbursement.
Keep drivers safe, use telematics, join safety programs, bundle policies, or pick higher deductibles to reduce cost.
Yes. Personal policies don’t cover deliveries. If employees use their cars, add HNOA for full protection.
Bottom line: Esurance makes it easy to build affordable, flexible protection that grows with your delivery business—keeping your fleet safe and income steady.