Insurance for courier and last-mile delivery.
Courier and last-mile operations run many drivers, many stops, and often a mix of owned and driver-provided vehicles. That makes auto liability, hired and non-owned auto, and contracts the center of the program.
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Drivers and the auto exposure
Last-mile runs on drivers and vehicles, often a mix of owned vans and drivers using their own cars. Owned vehicles need commercial auto, and hired and non-owned auto covers the liability when drivers use their own vehicles, which is a common and serious gap in delivery operations.
Cargo and delivery liability
Goods in transit need cargo coverage, and the act of delivery, entering premises, leaving packages, creates general liability exposure. We match the cargo and liability to what you deliver and where.
Contracts and certificates
Courier and last-mile contracts with shippers and platforms routinely require certificates, additional insured status, and specific limits. We line your program up with those requirements so a contract does not catch you short.
Common questions.
What insurance does a courier or last-mile business need?
Do I need hired and non-owned auto for delivery drivers?
Why do delivery contracts require certificates?
Does your coverage match how you run?
Tell us your operation, authority, radius, and cargo and we will check your liability, cargo, physical damage, and filings against how you actually operate. Educational, no obligation.
Coverage for delivery at scale.
Tell us how your delivery operation runs and we will build coverage that fits the drivers and contracts.