Last-mile delivery insurance that clears your contract — nationwide.

Personal auto policies and most standard business-auto policies specifically exclude carrying goods or passengers “for hire.” Last-mile delivery is a for-hire operation, so insurers treat it as a separate, higher-risk class that needs a commercial auto policy written for delivery use. On top of the exclusion, delivery carries exposures standard carriers avoid: constant high-mileage stop-and-go routes, frequent door-to-door stops, and rotating driver rosters. Running delivery on a personal or standard policy risks a flatly denied claim — and it won’t satisfy the certificate-of-insurance requirements a delivery-service-partner program imposes before it lets you start.

Requirements are set by your contract and can change, so always confirm the figures in your current agreement — but the published norms are consistent. Amazon’s Delivery Service Partner (DSP) program typically requires commercial auto liability at a $1,000,000 combined single limit, general liability at $1,000,000 per occurrence / $2,000,000 aggregate, workers’ compensation at statutory limits with employer’s liability, and a commercial umbrella (commonly $5,000,000), with Amazon named as additional insured using specific endorsement language. FedEx Ground Independent Service Provider (ISP) contractors are likewise required to carry commercial auto liability, general liability, workers’ compensation / employer’s liability, and cargo coverage at the levels stated in the FedEx Ground Contractor Operating Agreement. We build the certificate to match the program you’re contracting with — confirm your specific limits in your agreement.

Usually, yes. Commercial auto liability pays for bodily injury and property damage you cause to others — it does not pay for the goods you are hauling. Motor truck cargo insurance covers the packages and freight in your care, custody, and control while in transit, against losses like theft, fire, and collision damage. Many delivery-service-partner programs and the shippers you contract with require it, and even where it isn’t contractually mandated, a single load of high-value parcels can far exceed what you’d want to absorb out of pocket. We quote cargo limits to match the value you typically carry and what your contract demands.

Hired and non-owned auto (HNOA) provides liability coverage when your business uses vehicles it doesn’t own — a rented van, or a driver’s personal car used for a delivery. Your owned-fleet auto policy generally won’t respond when a non-owned vehicle is on a route, which leaves your business exposed for an accident a driver causes in their own car while working. Because delivery operations so often involve rented vehicles or drivers using personal cars, programs frequently require HNOA as part of the certificate. We add it so the gap is closed for every vehicle that runs a route, not just the ones on your title.

Often, yes — and what you file depends on where and how you run. Many states require commercial vehicles to be registered in the business name and, for for-hire operations, to keep proof of financial responsibility on file with the state. Operations that cross state lines and run vehicles at or above 10,001 lbs gross vehicle weight rating generally fall under FMCSA financial-responsibility rules — for-hire carriers of non-hazardous property under 10,001 lbs are set at $300,000 and those at or above 10,001 lbs at $750,000, with an MCS-90 endorsement filed where applicable. Lighter cargo-van fleets running intrastate often fall under state rules instead. We confirm which filings your operation actually needs so you’re neither over- nor under-filed.

It depends on your state and how the relationship is structured, and it directly affects your insurance — workers’ comp is generally required for employees, and misclassification can be costly. California is the strictest example: under AB 5 and the ABC test, a worker is presumed an employee unless the hiring business proves all three prongs, and one prong asks whether the work is outside the company’s usual course of business — a high bar for a delivery company whose business is delivery. Most delivery operators therefore carry workers’ comp on their drivers, which is also what delivery-service-partner programs require. We structure the workers’ comp and class codes around how your drivers are actually engaged.

Yes. Last Mile Delivery Insurance is the national last-mile practice of Thrive Risk Management Insurance Solutions, a licensed insurance brokerage (CA License #6012320). We place coverage nationally through our appointed specialty and wholesale partners, so we can structure a program to match your state’s commercial-vehicle and worker-classification rules and your delivery program’s requirements wherever you operate. Start with your state page or request a quote and we’ll confirm we can write your market before you spend time on paperwork.