Coverage
Commercial auto liability is the core policy for any fleet on the road. It pays for injury and damage your vehicles cause to others, and it is the coverage your contracts inspect first.
Delivery contracts usually write a required limit into the agreement — a one million dollar combined single limit is the common floor. I read the contract's insurance section before quoting, so the policy matches what you signed rather than what a generic quote assumes.
Two companions matter for delivery fleets: hired and non-owned auto coverage for driver-owned or rented vehicles, and physical damage for your own units. Neither is automatic. Both are cheap to miss and expensive to discover missing.
Questions
It pays for bodily injury and property damage your vehicles cause to others, and it funds your legal defense. It is the coverage your contracts care about most, and the one where required limits are written into the agreement.
A one million dollar combined single limit is the common floor in delivery contracts, though programs differ and some require more. I read the contract's insurance section before quoting so the limits match what you actually signed.
No. Liability covers what you do to others. Damage to your own vehicles is physical damage coverage — collision and comprehensive — which is priced per vehicle and usually carries a deductible you choose.
The intake takes about five minutes. I quote against your actual vehicle and driver list, not a generic profile.
TISKIY