Get A Quote For Delaware Commercial Auto Insurance
Protect your business vehicles and drivers with comprehensive commercial auto insurance in Delaware from Downes Insurance. Our experienced agents will work closely with you to understand your company's unique needs and risk profile, ensuring you have the right coverage at competitive rates. From fleet insurance for delivery vans and service trucks to non-owned auto liability for employees using personal vehicles for work, we offer tailored solutions to safeguard your business on the road. With our extensive network of top-rated carriers, you'll have access to a wide range of coverage options, including collision, comprehensive, medical payments, and uninsured/underinsured motorist protection.
Please fill out the following form completely. Once you have completed the form, click the Submit button to send your information, and we will handle your request promptly.
Who needs commercial auto insurance in Delaware?
Delaware businesses that use vehicles for their operations usually need commercial auto insurance. This includes companies that own or lease cars, trucks, vans, or other vehicles for the purpose of transporting goods, equipment, or people.
Common professions that purchase commercial auto insurance include:
-
Delaware Contractors: Contractors, landscapers, construction companies, and other tradespeople that use trucks or vans to take tools and equipment to job sites typically need commercial vehicle insurance.
-
Delaware Delivery Companies: Businesses that use cars or trucks to deliver goods to customers should have commercial auto insurance to protect their drivers, vehicles, and cargo.
-
Delaware Transportation Services: Companies that use cars or vans to transport passengers, such as taxis, limousines, and other livery services, need protection for their commercial cars.
-
Delaware Food Services: Restaurants, food trucks, and caterers that use vehicles for delivering food or operating mobile kitchens usually require a commercial auto policy.
-
Delaware Non-profit Organizations: If you use buses or vans to drive volunteers or clients, commercial auto insurance might be necessary for your business.
It’s important to note that Delaware personal auto insurance policies typically do not cover vehicles that are used for business purposes. If vehicles are necessary to your work, get commercial auto insurance to protect them.
Common questions about Delaware commercial auto insurance
Does Delaware commercial auto insurance cover personal use?
Yes. While personal Delaware auto insurance doesn’t cover a vehicle being used for business purposes, commercial auto insurance covers your vehicle for both commercial and personal use.
What drivers are covered under Delaware commercial auto insurance?
Drivers with regular access to your Delaware commercial vehicle should be named on your policy. Additional drivers may be covered, but restrictions apply for anybody not listed on the policy.
Are tools and materials in my Delaware vehicle covered under a commercial auto policy?
It depends. Permanently attached tools and equipment are covered by a Delaware commercial auto policy.
Do I need Delaware commercial auto insurance to drive for a rideshare company, like Lyft or Uber?
In most cases, no. Rideshare companies typically offer insurance when you’re driving for them, but it may have restrictions. To make sure you’re well protected, you can add coverage to your personal auto insurance through policy amendments called endorsements. You could also get commercial for-hire livery insurance.
Do I need special insurance to deliver pizza or other goods for a fee in Delaware?
Yes, most likely. Most personal Delaware auto insurance policies won’t cover losses while delivering for a fee, including pizza delivery and most other delivery services. Your claim might be denied if you don’t have commercial auto insurance and get into a work-related accident. You could also be held personally responsible for the damages. A commercial auto policy can prevent this from happening.
Does Delaware commercial auto insurance cover theft of personal items?
Not necessarily. A Delaware commercial auto policy covers the vehicle and any permanently attached items, such as a ladder rack or a truck bed toolbox, but it doesn’t cover the ladders and tools themselves. For the contents of your vehicle to be covered, you’d need a general liability policy.
How much will my Delaware insurance go up if I’m involved in an accident with my commercial vehicle?
It depends. An accident doesn’t affect the rate of your current policy, but it could affect your rate at renewal. Your policy is rewritten every time it expires to reflect your current situation. Accident-related rate changes are determined by various factors, such as who was at fault, the cost of the claim, and your accident history. So, accidents are considered when determining your rate, but an increase isn’t guaranteed.