Frequently Asked Question:

Do Equipment Rental Companies Need Commercial Auto Insurance for Delivery Trucks?

Insurance Type
Related Coverages
Commercial Auto
Inland Marine

The Short Answer

Yes, in most cases. Personal auto policies often limit or exclude vehicles used for business, so trucks and trailers that deliver rental inventory generally need commercial auto coverage.

The Full Answer

Delivery is where many rental companies are most exposed. A loaded truck, a trailer of tents, or a pickup pulling a lift is a business vehicle, and carriers treat it that way.

Where rental companies run into auto gaps:

Company-owned vehicles: Box trucks, flatbeds, and trailers used for deliveries belong on a commercial auto policy.

Employee and owner vehicles: Staff who use a personal pickup for deliveries or runs can create a claim your personal policy does not cover. Commercial auto can include non-owned and hired auto coverage.

Cargo in the vehicle: Auto liability does not pay to replace the inventory on board. Inland marine coverage addresses it.

Driver management: Driving records and vehicle count affect pricing, so who is allowed to drive matters.

How Liberty structures your protection: Liberty writes commercial auto alongside your liability, property, and inland marine coverage so a delivery accident is not argued between policies, and reviews who drives what before binding.

Related Questions

If you’re covered under an employer’s policy, you may not need one. Many NPs and PAs buy an individual policy anyway for coverage outside work and protection the employer’s policy doesn’t give.

Only a few states require it by statute. In practice, nearly every hospital, health system and many payers require it before you can work or bill.

Usually, while you’re employed there and acting within your job duties. It typically does not cover moonlighting, volunteer work, or claims filed after you leave.

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