Delivery Service Insurance Coverage Checklist
The coverages a delivery service business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for last-mile and in-home delivery companies. Priorities reflect typical exposure; confirm against fleet size and in-home work.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Auto Liability | Covers crashes on dense delivery routes — confirm limits meet customer contracts. | Core | |
| Commercial General Liability (incl. Completed Ops) | Covers damage from in-home deliveries and appliance hookups after the crew leaves. | Core | |
| Umbrella / Excess Liability | Adds limits for pedestrian strikes and serious crashes. | Prevalent | |
| Cargo / Bailee Coverage | Covers goods being delivered. | Prevalent | |
| Workers' Compensation | Required in most states; high-frequency lifting and stops. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is completed-operations coverage for appliance hookups. When a gas or water connection fails after the crew leaves, the resulting fire or water loss can far exceed the delivery value — and some policies exclude installation work. Delivery companies should confirm completed-operations coverage, leak-test every connection, and use licensed technicians for gas.
Send us the checklist and we'll review your delivery service coverage line by line, then market it across multiple carriers that compete for your account.
Related: Delivery Service Insurance · Delivery Service Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a delivery service business need?
The core coverages for a delivery service business are Commercial Auto Liability, Commercial General Liability (incl. Completed Ops), Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my delivery service coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.