--- title: "Commercial auto insurance | CARMA" description: "Commercial auto review should distinguish owned vehicles from hired and non-owned autos, delivery activity, transportation responsibility, and cargo..." canonical: "https://www.carma365.com/cannabis-insurance/commercial-auto/" --- Insurance by coverage # Commercial auto insurance for cannabis businesses Commercial auto review should distinguish owned vehicles from hired and non-owned autos, delivery activity, transportation responsibility, and cargo exposure. Vehicle ownership alone does not describe how the business uses autos. Prepared by [CARMA Insurance](/about/) Reading time 1 min read Content updated August 12, 2026 Carma Insurance LLC [Business entity NPN 21134854](/licensing-disclosures/) Related CARMA expertise [Zimraan Shikari, Director, Underwriting](/experts/zimraan-shikari/) [How we publish guidance](/editorial-standards/) [Discuss an auto account](https://broker-forms-sandbox.pages.dev/application)[Start QuickQuote](https://broker-forms-sandbox.pages.dev/quoter-v2/)[Speak with the CARMA team](/contact/) Coverage and availability depend on the account, state, insurer and underwriting review. General information and nonbinding indications do not bind insurance; the applicable binder, policy, endorsements and law govern coverage. Important insurance information This guide is general information and does not determine coverage or legal requirements for your business. Policy terms, exclusions, conditions and available options vary. Contact the appropriate licensed insurance representative about your account, request confirmation of any coverage placed, and review the applicable insurance documents. An application, inquiry or nonbinding indication does not by itself bind or change insurance. Account brief ## What to clarify before discussing this account **Clarify** Which vehicles and drivers are used for each business purpose? **Confirm** Do employees or contractors use personal, hired, or rented vehicles for the company? **Prepare** Vehicle schedule, driver list, motor vehicle records, garaging, and operating radius [Discuss an auto account](https://broker-forms-sandbox.pages.dev/application) On this page 5 sections On this page [Separate each type of vehicle use](#separate-each-type-of-vehicle-use)[Connect drivers, routes, and custody](#connect-drivers-routes-and-custody)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## Separate each type of vehicle use Identify owned, leased, rented, employee-owned, and contractor vehicles. Describe delivery, sales, errands, interfacility transport, and any transportation performed for others. ## Connect drivers, routes, and custody Show who drives, how drivers are screened, typical territory, vehicle storage, security, and what property is carried. Contracts should clarify when the business accepts or transfers custody of goods. ## Auto questions to resolve before submission - Which vehicles and drivers are used for each business purpose? - Do employees or contractors use personal, hired, or rented vehicles for the company? - Who owns and insures goods while they are being transported? ## What CARMA wants the submission to explain These details help the team understand the account and identify the next useful question. They do not establish eligibility or available terms. - Separate owned, leased, rented, employee-owned, and contractor vehicles and explain how each is used. - Describe delivery, interfacility transport, sales travel, errands, and transportation performed for others. - Reconcile drivers, vehicles, radius, cargo, contracts, motor vehicle records, and prior losses. ## Records for a commercial auto review - Vehicle schedule, driver list, motor vehicle records, garaging, and operating radius - Description of delivery, hired and non-owned use, security, and driver controls - Transportation contracts, cargo values, current policy information, and auto loss history ## Can CARMA consider this account? CARMA confirms program fit, licensing, state availability, coverage options, and market interest for each account. This guide does not promise eligibility, terms, pricing, or placement. Important insurance and legal information CARMA's website provides general information only. It is not insurance, legal, tax, regulatory, underwriting, safety, risk-management, or claims advice. Nothing on this site is a quote, binder, policy, coverage determination, legal opinion, or promise of eligibility, availability, pricing, terms, limits, or placement. Only an issued policy and its endorsements can provide coverage, and their actual terms, conditions, limitations, and exclusions control. Sending information, following a link, or speaking with CARMA does not bind coverage, change a policy, or create authority to act for an insurer unless an authorized party confirms that authority in writing. Do not rely on this website to report a claim, request a policy change, satisfy a notice requirement, or meet a deadline. Use the instructions in the applicable policy or written communication. Laws, licensing, appetite, carrier participation, and external sources can change, so confirm time-sensitive matters with CARMA, the controlling source, and qualified advisers. [Read the complete website disclaimer](/legal-disclaimer/). [Back to top](#main-content) Continue researching ## Put this subject in the context of the full account. Account-specific review ## Bring CARMA the account. Retail agents, wholesale brokers, and business owners can start with the details they have. [Discuss an auto account](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)