Do you need operating authority?
If you haul goods for others across state lines for pay, you generally need a USDOT number and interstate operating authority with FMCSA, and the insurer files proof of liability. Purely private carriage of your own goods is treated differently. Intrastate rules in New York are set by NYSDOT; check which apply to you.
Coverage to line up
- Auto liability
- Physical damage for the truck and lift gate
- Motor truck cargo for customers' goods
- General liability for in-home delivery damage
Frequently asked questions
Does cargo cover damage inside a customer's home?
Usually not. Damage to a customer's property during in-home delivery is typically a general liability matter.