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Courier & Last-Mile Delivery

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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Courier and last-mile delivery insurance combines auto liability, hired and non-owned auto for drivers using their own vehicles, general liability, and motor truck cargo for goods in transit, with attention to the contracts and certificate requirements of the shippers and platforms you serve.

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.

Frequently asked

Common questions.

What insurance does a courier or last-mile business need?
Generally auto liability, hired and non-owned auto, general liability, and motor truck cargo for goods in transit, plus the limits and certificates your contracts require.
Do I need hired and non-owned auto for delivery drivers?
Usually, when drivers use their own vehicles, since personal auto excludes business use and the liability can fall to your business. It is a common gap.
Why do delivery contracts require certificates?
Shippers and platforms want proof of coverage and additional insured status before you start. We line your program up with the requirement.
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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.

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We match coverage to your operation and cargo
We check filings, radius, and contract requirements
We line up liability, cargo, and physical damage
You get a clear read, no obligation
Related resources

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Coverage

Primary Liability

The core auto liability filing carriers require.

Coverage

Motor Truck Cargo

Goods in transit.

Coverage

Truckers General Liability

Delivery and premises exposure.

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Coverage for delivery at scale.

Tell us how your delivery operation runs and we will build coverage that fits the drivers and contracts.

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