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Does a business owner’s policy include my delivery vehicles?

NAIC says a business owner’s policy typically does not include commercial auto. Check the actual quote and arrange a separate review of vehicle use.

List vehicles owned, leased, rented, or used by employees, who drives them, and whether they carry inventory or perform customer service. Include delivery, pickup, and installation routes.2

Ask how the vehicle policy treats goods carried, hired vehicles, employee vehicles, and drivers. A general liability or property package name does not answer those questions.4,2

Read the Home and Personal Insurance Buying Guide

Sources

5 documents, numbered as cited.

Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.

Updated 2026-09-28. Editorial Policy

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