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The business carries goods, its own or a customer's, and the auto policy does not pay for them

Delivery vehicle insurance

A bakery or florist delivering its own products may need a commercial auto policy for the vans, the Utah Insurance Department says, and ISO's auto form excludes the products. A van of 10,001 lb GVWR or more carrying the business's own goods across state lines makes the business a private motor carrier under 49 CFR 390.5T, and FMCSA's FAQ, updated May 26, 2023, says a private motor carrier needs a USDOT number but no MC number. Utah Code 31A-22-304 sets 30/65/25 for a policy issued or renewed since January 1, 2025. For the goods, ISO's CP 10 30 09 17 offers a $5,000 transit extension and BP 00 03 08 24 a $10,000 one.

Do you need commercial auto insurance to deliver your own products?

A bakery or florist that delivers its own products may need a commercial auto policy or an endorsed personal policy, the Utah Insurance Department says. Its business-use page, read October 12, 2026, says "If you use your vehicle for any purpose other than driving to work and pleasure use, you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use," and lists "Delivery (pizza, newspaper)" and "Catering" among its examples. Utah Code 31A-22-304 sets the liability floor at $30,000 per person, $65,000 per accident and $25,000 for property damage for a policy issued or renewed on or after January 1, 2025.

A van of 10,001 lb GVWR or more carrying the business's own goods across state lines is a commercial motor vehicle under 49 CFR 390.5T, and FMCSA's FAQ, last updated May 26, 2023, says "A private motor carrier transports its own goods and is required to have a USDOT number but does not need operating authority (MC number)."

Sources: 2, 3, 4, 12, 11, 1

What insurance fits a bakery's delivery vans, including refrigerated ones?

A bakery's delivery vans are covered autos on a business auto policy only through the symbols on its declarations, and symbol 7 reaches only the vans listed. On ISO's CA 00 01 11 20, symbol 7 covers "Only those "autos" described in Item Three of the Declarations for which a premium charge is shown," and a van bought mid-term becomes a covered auto under symbol 7 only if the policy already covers every owned auto for that coverage or the van replaces one, and the bakery tells the insurer "within 30 days after you acquire it."

Refrigerated vans carry a separate question about the goods. Progressive's filed cargo endorsement Z434 (02/19), read October 12, 2026, excludes "breakdown or failure of a refrigeration unit" and loss from "changes in or extremes of temperature unless it results from damage to an insured auto." Say which vans are refrigerated, and ask whether any transit or cargo cover offered excludes temperature change and refrigeration breakdown.

Weight decides which registration and liability rules reach a bakery's vans:

  • 49 CFR 390.5T makes a vehicle in interstate commerce a commercial motor vehicle at 10,001 lb GVWR or more, and 49 CFR 390.19T(a)(1) has a motor carrier in interstate commerce file Form MCS-150, the Motor Carrier Identification Report.
  • Utah Code 72-9-102(3) draws the intrastate commercial vehicle line at 26,001 lb GVWR for an adult driver, and Utah Admin. Code R909-1-4(2) says "Each intrastate private motor carrier must have a minimum amount of $750,000 liability."
  • R909-1-4 states no intrastate figure for for-hire carriers of general freight; as of October 12, 2026 that figure is an open question.

Sources: 7, 8, 11, 14, 15, 16, 17, 18

Does your flower shop have coverage for delivery vehicle accidents and drivers' own cars?

A florist's delivery runs put two questions to the insurer: whose vehicle is on the run, and what the orders on board are worth. On ISO's CA 00 01 11 20, "The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos"," so a staff member's own car is a covered auto only if the shop's declarations carry a symbol that reaches it.

The same CA 00 01 form excludes from its insureds "Your "employee" if the covered "auto" is owned by that "employee" or a member of his or her household," and its Other Insurance condition makes cover for an auto the business does not own "excess over any other collectible insurance." Tell the insurer whether staff deliver in their own cars, and on how many runs a week.

A florist's orders on the road meet a cargo form's timing exclusions as well as its crash cover. Progressive's filed Z434 (02/19), read October 12, 2026, excludes "Loss of use, loss of market, loss of market value, or delay," an exclusion that would apply to a claim for a late order. Ask whether any transit or cargo cover offered excludes delay, and state the rough value of orders on board on the busiest day so the limit can be set against it.

Sources: 6, 9, 10, 19

How do you insure flowers and baked goods in transit?

ISO's property forms CP 10 30 and BP 00 03 each let a business extend its property cover to its own goods in transit, with a printed limit. The auto policy does not reach the goods: ISO's CA 00 01 11 20 excludes property damage "involving property owned or transported by the "insured" or in the "insured's" care, custody or control." The table compares those two extensions with one carrier's filed cargo endorsement, each read on October 12, 2026.

Progressive's filed Z434 (02/19) pays loss "you are legally liable to pay as a trucker under a written: bill of lading, tariff document, rate confirmation sheet, shipping receipt, or contract of carriage." Its definition adds "goods and merchandise owned by you while loaded for shipment in or on an insured auto," meaning "products destined for market and/or sale," but its exclusion e. removes "Any property for which no bill of lading, tariff document, rate confirmation sheet, shipping receipt, or contract of carriage has been issued, or which is carried gratuitously or without charge." The form does not say how the definition and exclusion e. apply to a delivery with no shipping document. Before relying on any cargo form for the business's own deliveries, ask the insurer to confirm in writing how it treats them.

Three forms read for a business's goods on the road
FormWhat it reachesLimit as printedWhat to check
ISO CP 10 30 09 17, Property In Transit extensionYour personal property in a motor vehicle you own, lease or operate, more than 100 feet from the premises$5,000Named causes only: fire, lightning, explosion, windstorm or hail, riot, vandalism; collision, upset or overturn; theft of a whole package by forced entry with visible marks
ISO BP 00 03 08 24, Personal Property Off-premises extensionYour covered property in the course of transit, other than money, securities and valuable papers$10,000 unless a higher limit is shown in the declarationsThe off-premises limit on the declarations against a busy day's load
Progressive Z434 (02/19), Utah-filed cargo endorsementLoss the insured is legally liable to pay as a trucker under a written bill of lading, shipping receipt or contract of carriageThe Cargo Liability limit on the declarations, per occurrenceExclusion e.: any property with no bill of lading, tariff document, rate confirmation sheet, shipping receipt or contract of carriage issued, or carried without charge; also refrigeration breakdown, temperature change and delay

Sources: 24, 25, 26, 27, 5, 20, 21, 22, 23, 17, 19

What do you send for a delivery vehicle quote, and what happens next?

Redoubt quotes a delivery business's vans from one list: the vehicles, the drivers, the route radius, staff car use and the value of goods on board. Send the list below by text or email; the first reply is a conversation about which policy fits the vans and what covers the products.

  • Each vehicle and trailer: year, make, model, body type and value, and which are refrigerated
  • How far the vehicles go: a local radius or long distance
  • Every driver: name, date of birth, licence number and class
  • Whether staff deliver in their own cars, and on how many runs a week
  • The rough value of orders on board on a busy day
  • Your USDOT number if you have one, and a line on what the business delivers
  • The date coverage has to start, and the current declarations page or the dates of prior coverage

Sources: 28, 1

Frequently asked questions

Is a catering van insured the same way as a bakery van?

The Utah Insurance Department lists catering beside delivery among uses that may need a commercial auto policy, and ISO's CA 00 01 11 20 excludes the food on board as property transported by the insured.

What changes if we start delivering another business's goods for a fee?

Paid trips for another business are for-hire carriage: 49 CFR 390.5T defines a for-hire motor carrier as "a person engaged in the transportation of goods or passengers for compensation." Tell the insurer what share of trips is paid hauling.

Sources

Where these answers come from

Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.

  1. 1. FMCSA FAQ, What is a private motor carrier?
    “A private motor carrier transports its own cargo, usually as a part of a business that produces, uses, sells and/or buys the cargo that is being hauled. A private motor carrier transports its own goods and is required to have a USDOT number but does not need operating authority (MC number).”
    fmcsa.dot.gov, accessed October 12, 2026. The page prints "Last Updated: May 26, 2023".
  2. 2. Utah Insurance Department, Business Use Of Your Auto
    “If you use your vehicle for any purpose other than driving to work and pleasure use, you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use.”
    insurance.utah.gov, accessed October 12, 2026. The page carries no last-updated date.
  3. 3. Utah Insurance Department, Business Use Of Your Auto, examples
    “Examples of situations where you may need a commercial or business policy, or where you will need to have your current policy changed to provide you with the necessary coverage include, but are not limited to: Delivery (pizza, newspaper) Catering”
    insurance.utah.gov, accessed October 12, 2026. Same page. The list continues with door-to-door sales, landscaping, snowplowing, logging, realtor, daycare or church retreat van service and farm-to-market delivery.
  4. 4. Utah Code 31A-22-304(2), motor vehicle liability minimums from January 1, 2025
    “a policy issued or renewed on or after January 1, 2025, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: (a) (i) $30,000 because of liability for bodily injury to or death of one person”
    le.utah.gov, accessed October 12, 2026. (2)(a)(ii) sets $65,000 for two or more persons and (2)(a)(iii) $25,000 for property damage.
  5. 5. ISO CA 00 01 11 20, Business Auto Coverage Form, Section II B.6, Care, Custody Or Control exclusion
    “"Property damage" to or "covered pollution cost or expense" involving property owned or transported by the "insured" or in the "insured's" care, custody or control. But this exclusion does not apply to liability assumed under a sidetrack agreement.”
    assets.touchpointmarkets.com, accessed October 12, 2026. A carrier's policy may carry a later edition or its own form.
  6. 6. ISO CA 00 01 11 20, Section I.A, Description Of Covered Auto Designation Symbols
    “The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos".”
    assets.touchpointmarkets.com, accessed October 12, 2026. A carrier's policy may carry a later edition or its own form.
  7. 7. ISO CA 00 01 11 20, Section I.A, symbol 7, specifically described autos
    “Only those "autos" described in Item Three of the Declarations for which a premium charge is shown (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to any power unit described in Item Three).”
    assets.touchpointmarkets.com, accessed October 12, 2026. A carrier's policy may carry a later edition or its own form.
  8. 8. ISO CA 00 01 11 20, Section I.B.2, autos acquired after the policy begins, symbol 7
    “But, if Symbol 7 is entered next to a coverage in Item Two of the Declarations, an "auto" you acquire after the policy period begins will be a covered "auto" for that coverage only if:”
    assets.touchpointmarkets.com, accessed October 12, 2026. The conditions follow: "a. We already cover all "autos" that you own for that coverage or it replaces an "auto" you previously owned that had that coverage; and b. You tell us within 30 days after you acquire it that you want us to cover it for that coverage." A carrier's policy may carry a later edition or its own form.
  9. 9. ISO CA 00 01 11 20, Section II.A.1, Who Is An Insured, exception b.(2)
    “Your "employee" if the covered "auto" is owned by that "employee" or a member of his or her household.”
    assets.touchpointmarkets.com, accessed October 12, 2026. An exception to b., "Anyone else while using with your permission a covered "auto" you own, hire or borrow except:". A carrier's policy may carry a later edition or its own form.
  10. 10. ISO CA 00 01 11 20, Section IV.B.5, Other Insurance
    “For any covered "auto" you own, this Coverage Form provides primary insurance. For any covered "auto" you don't own, the insurance provided by this Coverage Form is excess over any other collectible insurance.”
    assets.touchpointmarkets.com, accessed October 12, 2026. A carrier's policy may carry a later edition or its own form.
  11. 11. 49 CFR 390.5T, definition of commercial motor vehicle, eCFR
    “Has a gross vehicle weight rating or gross combination weight rating, or gross vehicle weight or gross combination weight, of 4,536 kg (10,001 pounds) or more, whichever is greater”
    ecfr.gov, accessed October 12, 2026. The definition opens "any self-propelled or towed motor vehicle used on a highway in interstate commerce to transport passengers or property when the vehicle". The T section is the text eCFR prints in force; the unsuffixed section is marked suspended since January 14, 2017. eCFR marks 390.5 again suspended indefinitely, effective July 21, 2026.
  12. 12. 49 CFR 390.5T, definition of private motor carrier, eCFR
    “Private motor carrier means a person who provides transportation of property or passengers, by commercial motor vehicle, and is not a for-hire motor carrier.”
    ecfr.gov, accessed October 12, 2026. Same pull as the commercial motor vehicle definition. The T section is the text eCFR prints in force; the unsuffixed section is marked suspended since January 14, 2017.
  13. 13. 49 CFR 390.5T, definition of for-hire motor carrier, eCFR
    “For-hire motor carrier means a person engaged in the transportation of goods or passengers for compensation.”
    ecfr.gov, accessed October 12, 2026. Same pull as the commercial motor vehicle definition. The T section is the text eCFR prints in force; the unsuffixed section is marked suspended since January 14, 2017.
  14. 14. 49 CFR 390.19T(a)(1), who files Form MCS-150, eCFR
    “A U.S.-, Canada-, Mexico-, or non-North America-domiciled motor carrier conducting operations in interstate commerce must file a Motor Carrier Identification Report, Form MCS-150.”
    ecfr.gov, accessed October 12, 2026. Same pull. The T section is the text eCFR prints in force; the unsuffixed section is marked suspended since January 14, 2017.
  15. 15. Utah Code 72-9-102(3), definition of intrastate commercial vehicle
    “has a manufacturer's gross vehicle weight rating or gross vehicle weight, or gross combination weight rating or gross combination weight of 26,001 or more pounds, whichever is greater, and is operated by an individual who is 18 years old or older”
    le.utah.gov, accessed October 12, 2026. Subsection (3)(a)(i); the definition adds 16,001 lb with a driver under 18, passenger counts and placarded hazardous materials.
  16. 16. Utah Admin. Code R909-1-4(2), intrastate private motor carrier minimum
    “Each intrastate private motor carrier must have a minimum amount of $750,000 liability.”
    adminrules.utah.gov, accessed October 12, 2026. R909-1-4(1) defines the private motor carrier as one transporting property or passengers by commercial motor vehicle; the rule states no figure for intrastate for-hire carriers of general freight.
  17. 17. Progressive Form Z434 (02/19), Motor Truck Cargo Legal Liability Coverage Endorsement, Excluded Peril g.(i)
    “Mechanical or electrical breakdown or failure including breakdown or failure of a refrigeration unit”
    serff-sfa.naic.org, accessed October 12, 2026. The clause continues "or its associate component parts, or heating equipment installed in a cargo component". The peril does not apply to a covered fire or explosion. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), filed in Utah as SERFF PRGS-132168602 on 12/5/19, status FILED FOR USE. The link opens the filing summary, not the PDF; Primary only for what Progressive's endorsement says; other insurers word cargo forms differently.
  18. 18. Progressive Form Z434 (02/19), Excluded Peril g.(ii)
    “Wetness, humidity, dampness, dryness, or changes in or extremes of temperature unless it results from damage to an insured auto.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), filed in Utah as SERFF PRGS-132168602 on 12/5/19, status FILED FOR USE. The link opens the filing summary, not the PDF; Primary only for what Progressive's endorsement says; other insurers word cargo forms differently.
  19. 19. Progressive Form Z434 (02/19), Excluded Peril f., Consequential Loss
    “Loss of use, loss of market, loss of market value, or delay; or any other remote or consequential loss, other than direct physical loss, to covered property or business equipment.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), filed in Utah as SERFF PRGS-132168602 on 12/5/19, status FILED FOR USE. The link opens the filing summary, not the PDF; Primary only for what Progressive's endorsement says; other insurers word cargo forms differently.
  20. 20. Progressive Form Z434 (02/19), Insuring Agreement, Loss To Covered Property
    “we will pay for the direct physical loss to covered property that you are legally liable to pay as a trucker under a written: bill of lading, tariff document, rate confirmation sheet, shipping receipt, or contract of carriage.”
    serff-sfa.naic.org, accessed October 12, 2026. The agreement adds that covered property must be in the insured's exclusive custody in transit on an insured auto or during loading or unloading. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), filed in Utah as SERFF PRGS-132168602 on 12/5/19, status FILED FOR USE. The link opens the filing summary, not the PDF; Primary only for what Progressive's endorsement says; other insurers word cargo forms differently.
  21. 21. Progressive Form Z434 (02/19), Additional Definitions 3, Covered property
    “Covered property includes goods and merchandise owned by you while loaded for shipment in or on an insured auto, whether or not shipped under a bill of lading or shipping receipt. When used in this endorsement, goods and merchandise means products destined for market and/or sale.”
    serff-sfa.naic.org, accessed October 12, 2026. The definition opens "lawful goods and merchandise of others" and runs across pages 3 and 4. The insuring agreement pays loss the insured is legally liable to pay "as a trucker", and adds "For covered property that is your property, our payment is not contingent upon your liability." Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), filed in Utah as SERFF PRGS-132168602 on 12/5/19, status FILED FOR USE. The link opens the filing summary, not the PDF; Primary only for what Progressive's endorsement says; other insurers word cargo forms differently.
  22. 22. Progressive Form Z434 (02/19), Excluded Properties e., Property Not Under Bill of Lading
    “Any property for which no bill of lading, tariff document, rate confirmation sheet, shipping receipt, or contract of carriage has been issued, or which is carried gratuitously or without charge.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), filed in Utah as SERFF PRGS-132168602 on 12/5/19, status FILED FOR USE. The link opens the filing summary, not the PDF; Primary only for what Progressive's endorsement says; other insurers word cargo forms differently.
  23. 23. Progressive Form Z434 (02/19), Limits Of Liability 1.b.
    “the most we will pay for loss to covered property in any one occurrence is the limit of liability shown on the declarations page for "Cargo Liability" coverage.”
    serff-sfa.naic.org, accessed October 12, 2026. The sentence opens "Regardless of the number of insured autos or trailers involved". Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), filed in Utah as SERFF PRGS-132168602 on 12/5/19, status FILED FOR USE. The link opens the filing summary, not the PDF; Primary only for what Progressive's endorsement says; other insurers word cargo forms differently.
  24. 24. ISO CP 10 30 09 17, Causes Of Loss Special Form, F.1 Property In Transit
    “You may extend the insurance provided by this Coverage Part to apply to your personal property (other than property in the care, custody or control of your salespersons) in transit more than 100 feet from the described premises. Property must be in or on a motor vehicle you own, lease or operate while between points in the coverage territory.”
    fmic.com, accessed October 12, 2026. The named causes are (1) fire, lightning, explosion, windstorm or hail, riot or civil commotion, or vandalism, (2) vehicle collision, upset or overturn, and (3) theft.
  25. 25. ISO CP 10 30 09 17, F.1.b.(3), theft in transit
    “Theft of an entire bale, case or package by forced entry into a securely locked body or compartment of the vehicle. There must be visible marks of the forced entry.”
    fmic.com, accessed October 12, 2026
  26. 26. ISO CP 10 30 09 17, F.1.c., limit of the Property In Transit extension
    “The most we will pay for loss or damage under this Extension is $5,000.”
    fmic.com, accessed October 12, 2026. The form adds that the extension is additional insurance and the coinsurance condition does not apply to it.
  27. 27. ISO BP 00 03 08 24, Businessowners Coverage Form, Section I, Coverage Extensions b., Personal Property Off-premises
    “You may extend the insurance provided by this Policy to apply to your Covered Property, other than "money" and "securities", "valuable papers and records" or accounts receivable, while it is in the course of transit or at a premises you do not own, lease or operate. The most we will pay for loss or damage under this extension is $10,000”
    law.com, accessed October 12, 2026. The sentence continues "unless a higher Limit Of Insurance for Personal Property Off-premises is shown in the Declarations." Which edition a Utah businessowners policy carries depends on the insurer.
  28. 28. Redoubt, commercial auto insurance guide, what to send
    “Text Redoubt the broker packet, the lender's insurance letter, the platform's upload screen or the renewal itself, with the vehicles and the date you need it by. We will say what can be bound now, what needs the carrier, and what to send back.”
    www.redoubt.insure, accessed October 12, 2026
The same moment

The business carries goods, its own or a customer's, and the auto policy does not pay for them

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Talk to Redoubt

Your bakery or florist delivers its own goods

Text Redoubt each van's year, make, model, body type and value, every driver, your USDOT number if you have one, a line on what you deliver and the start date, plus whether staff deliver in their own cars and the value of orders on board on a busy day, and we will talk through which policy fits.

Text us your van listCall 385-375-7655

This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.