What types of coverage does Esurance offer for delivery businesses?

Commercial auto (liability/comp/collision), hired and non-owned auto, motor truck cargo, and general liability. Optional roadside and rental reimbursement can minimize downtime.

How can I lower my insurance premiums with Esurance?

Maintain clean MVRs, enroll in telematics and safety programs, bundle coverages, choose deductibles you can afford, and document anti-theft and security controls.

Is it necessary to have commercial auto insurance for delivery?

Yes. Personal auto policies generally exclude business deliveries. If staff use personal cars, add Hired & Non-Owned Auto to protect your business.

Esurance Coverage for Your Delivery Business

Starting a delivery service is exciting—but it also brings daily risks. Your vehicles, drivers, and cargo all need protection. Esurance lets you build commercial coverage that matches your work: what you deliver, how far you drive, and who’s on your team.

This guide shows how to get the right policy, what to prepare, where personal auto falls short, and easy ways to cut costs.

Steps to Get Delivery Coverage with Esurance

Check your risks: Fleet size, delivery radius, daily stops, driver type (staff or contractors), and whether you cross state lines.
Gather paperwork: Business license or EIN, driver list with consent, past claims history, VINs and parking addresses, average cargo value, and any client insurance terms.
Request quotes: Use the online tool or call Esurance. Ask for options with different limits and deductibles so you compare total protection—not just price.

Key Coverages to Discuss

Commercial auto: Required for business use. Covers accidents, damage, and your own vehicles.
Hired & Non-Owned Auto (HNOA): Needed if staff use personal or rented cars.
Motor truck cargo: Protects customer goods in transit. Check item and event limits.
General liability: Covers slips, trips, or loading accidents not tied to vehicles.
Roadside help & rental cover: Keeps deliveries moving after breakdowns or repairs.

Tip: Personal auto insurance almost never covers deliveries. Make sure you’re rated for commercial use or add HNOA if staff use personal cars.

Watch for Exclusions

High-value items: Jewelry, electronics, alcohol, or medicine often have limits. Ask about special terms.
Spoilage: Add refrigeration cover if you haul food or perishables.
Theft without forced entry: Train drivers on security. Use telematics to lower disputes and premiums.

Premiums can drop with safety programs, telematics, and clean claims history. You can also compare with other carriers—see Geico quotes—but always match limits and deductibles.

Get Auto Insurance Quotes

Get instant auto quotes for your delivery fleet.

Get Home Insurance Quotes

Check home insurance rates for your business base.

auto insurance rates for delivery business

When quoting, share details about routes, busy seasons, and average cargo values. Esurance can then set limits and deductibles that fit. If your operation overlaps with rideshare or other on-app work, see Esurance coverage for gig workers. For claims know-how, review pet-injury claim steps if animals ride with you.

Tip: Re-shop at each renewal or after big changes—new vehicles, new contracts, or new routes. Telematics can also earn better rates.

Quick Claims Playbook

Take photos of damage, secure the load, notify customers if needed, and file the claim fast. Share trip logs, dashcam data, police reports, and repair estimates. Keep a log with claim numbers and dates.

Frequently Asked Questions

What coverage does Esurance offer for delivery?
Commercial auto, HNOA, cargo cover, and general liability. Extras include roadside and rental reimbursement.

How can I lower my premiums?
Keep clean driving records, join safety programs, bundle coverages, set higher deductibles, and show proof of security systems.

Is commercial auto really required?
Yes. Personal auto almost never covers deliveries. If staff use their cars, add HNOA.

Action: Get a free Esurance quote today. Confirm your limits, deductibles, and cargo cover match your contracts.

Bottom line: With Esurance, you can build simple, affordable protection that grows with your delivery business—keeping routes safe and profits steady.