Personal Auto Policies do NOT provide coverage when the vehicle is being used for business purposes. Specifically, use as a delivery vehicle is excluded. This includes pizza, newspapers, and other delivery operations. The application you signed states that there is no use for this purpose. However, incidental use of your vehicle for errands on behalf of your business or employer is not excluded. It's not great reading, but you should familiarize yourself with the policy. Please be aware of your household members use of your vehicles, especially those that are not garaged at your home. A significant exposure is in play in this situation, which you will have to pay for yourself.
Please call our office if you have any questions.
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