Start with how the operation runs
Driveaway operations should describe vehicles transported, ownership and custody, drivers, routes, plates, contracts, inspection, pickup and delivery, return travel, personal use, and damage responsibility.
Coverage areas to review
- Commercial auto liability and physical damage based on the vehicles and operation
- Motor truck cargo or transported-property protection based on commodities and custody
- General liability and other operational protection where applicable
- Workers' compensation, occupational accident, or umbrella protection as appropriate
Information to prepare
- Vehicle types, maximum values, routes, mileage, and annual deliveries
- Driver roster, qualifications, MVRs, experience, and contractor agreements
- Pickup, inspection, photo, custody, delivery, and damage procedures
- Customer contracts, prior losses, authority, plates, and requested limits
Questions to answer before quoting
- How does the business control damage to customer-owned vehicles while driven or in custody?
- How does the business control unfamiliar equipment, temporary plates, long routes, and return transportation?
- How does the business control independent-contractor status, driver qualification, contracts, and disputed damage?
Frequently asked questions
Why should driveaway contractor insurance be described separately?
Driveaway operations should describe vehicles transported, ownership and custody, drivers, routes, plates, contracts, inspection, pickup and delivery, return travel, personal use, and damage responsibility. These details can affect classification, eligibility, filings, limits, exclusions, pricing, and available insurance options.
Can every driveaway contractor insurance operation use the same insurance program?
No. Authority, vehicles, drivers, commodities, radius, contracts, safety practices, loss history, state requirements, and requested coverage affect the available terms.
Coverage, filings, eligibility, limits, deductibles, exclusions, and availability vary by authority, contract, operation, driver, equipment, jurisdiction, and insurance market. Actual policy and regulatory requirements control.