Commercial Auto Insurance
Commercial auto covers the vans, cars, and trucks your cannabis operation uses to deliver product, transport inventory between licensed sites, and run day-to-day business — personal auto policies exclude business use.
Commercial Auto for Cannabis Businesses
Delivery services, distributors, and multi-site operators all rely on vehicles — and personal auto policies exclude business use, especially the transport of cannabis product. Commercial auto covers your vehicles, drivers, and liability on the road.
What's Covered
- Liability: At-fault accidents causing injury or property damage to others
- Collision: Damage to your own vehicle from an accident
- Comprehensive: Theft, fire, vandalism, and weather damage to the vehicle
- Hired & non-owned auto (HNOA): Employee personal vehicles and rented vehicles used for work
- Uninsured / underinsured motorist: Protection when the at-fault driver isn't insured
Delivery Operations Have Unique Exposure
Cannabis delivery vehicles carry high-value, regulated product and often cash. That combination raises both theft and liability exposure. Underwriters look closely at driver screening, GPS tracking, secured storage in the vehicle, and route protocols — controls that also reduce your premium.
Product in Transit
The value of the cannabis product inside the vehicle is generally covered under a separate cargo or inland-marine policy, not the auto liability policy. We coordinate both so a single in-transit loss doesn't fall through a coverage gap.
What's Covered
Frequently Asked Questions
Not safely. Personal auto policies exclude business use and almost always exclude transporting cannabis. A commercial auto policy — and often hired & non-owned coverage — is required to protect delivery and transport operations.
No. Commercial auto covers the vehicle and liability, not the value of the cannabis cargo. In-transit product is covered under a separate cargo or inland-marine policy, which we can quote alongside your auto.