Map actual mileage, routes, drivers and stopping practices alongside package types and the maximum load at each vehicle or staging point. Compare road liability, own-vehicle damage and cargo interests separately. A route's package count alone does not establish its insured value.

Cargo coverage addresses physical loss or damage to goods, not contract penalties for late delivery. Service-failure exposures depend on your shipper agreements and policy terms.

Delivering to homes adds different liability touchpoints than docks, and general liability may respond to injury or damage at those sites, subject to policy terms.

Tracking systems store shipper and recipient data, so a breach can trigger notification and liability costs that cyber coverage may help address, depending on the policy.

Bring each shipper's actual insurance schedule, required limits and endorsement requests. Compare them with accepted vehicles, cargo, locations and issued terms. A certificate does not amend the policy, and meeting an insurance limit does not itself insure a promised delivery refund or penalty.

Compare your actual auto and liability limits with routes, pedestrian exposure, loss history and shipper requests. Excess or umbrella terms may add limits above accepted underlying claims, subject to attachment and exclusions. They do not automatically enlarge the cargo limit or pay delivery penalties.