Delivery is where personal and commercial auto collide. Gig drivers delivering through an app have some coverage from the platform while on an active delivery, but couriers running their own business — medical specimens, legal documents, parcels, last-mile routes — usually need a commercial policy.
Three common delivery situations
- App-based gig delivery: check the app's coverage periods; many personal carriers sell a delivery/rideshare endorsement for the gaps.
- Independent courier business: commercial auto with liability limits your clients require (often $1M) and cargo coverage for what you carry.
- Contracted last-mile routes: the contract usually dictates limits, physical damage, and hired & non-owned auto requirements.
Cargo matters
Auto insurance covers the vehicle and liability to others — not the packages. Courier businesses that carry valuable items need cargo or inland marine coverage, sometimes with specific per-package limits.
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Get quotesFrequently asked questions
Will my personal auto policy cover deliveries?
Most personal policies exclude carrying goods for a fee. Without a delivery endorsement or commercial policy, a claim during a delivery may be denied.
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Reviewed October 2026. General information only — not insurance or legal advice. Coverage terms vary by insurer and state.