Which type of insurance helps cover losses for a delivery driver responsible for an accident?

In the context of a delivery driver responsible for an accident, the most suitable insurance type to cover losses is commercial auto insurance. This type of insurance is specifically designed for vehicles used for business purposes, including delivery drivers. It provides coverage for bodily injury, property damage, and other liabilities that may arise from operating a vehicle in the course of business.

Employer liability insurance primarily covers claims made by employees against their employers for work-related injuries or illnesses. While it may address some liability concerns for employee actions, it does not directly cover the specific liabilities associated with vehicle accidents incurred during deliveries.

Workers' compensation insurance is intended to cover medical expenses and lost wages for employees injured while performing their job duties. However, this type does not address damage to third parties or their property resulting from an accident.

General liability insurance focuses more on non-automobile related liabilities, such as injuries occurring on business premises or from operations unrelated to vehicle use.

Thus, commercial auto insurance is the most relevant choice, as it specifically protects delivery drivers and their employers from the financial consequences of accidents occurring while performing their job.