business-auto-insurance

It depends on what you’re transporting. If your business vehicle carries goods, tools, or customer property, then yes — you may need commercial cargo coverage (often called Legal Liability for Damage to Cargo or a Commercial Inland Marine endorsement). Here’s when you should consider it:

• You deliver products to customers (e.g., florists, bakers, furniture delivery)
• You transport tools, equipment, or inventory (e.g., contractors, mobile service pros)
• You handle customer property in transit (e.g., cleaners, pet groomers, tech repair)
• You work with a vendor or platform that requires cargo coverage as part of their insurance term

What Commercial Auto doesn’t cover: Your standard commercial auto policy typically only covers the vehicle itself, not what’s inside it. Without cargo coverage, any loss, theft, or damage to the items you’re transporting may not be insured. Recommendation: Include cargo coverage if your business relies on the contents of your vehicle to deliver your service or fulfill orders. It’s a relatively low-cost but high-impact addition.