Last-mile delivery — the final leg from warehouse or store to customer's door — is the fastest-growing segment of the logistics industry. It's also one of the highest-risk: frequent stops, urban driving, time pressure, and constant vehicle/customer interaction create exposures that standard commercial auto doesn't fully address. Our agency builds last-mile programs for delivery operations of all sizes.
E-commerce fulfillment companies, direct-to-consumer brands with their own delivery, food delivery operations, grocery delivery services, pharmacy delivery, meal kit delivery, subscription box delivery, and any business handling the final delivery leg to consumers.
At minimum: commercial auto liability, physical damage, cargo coverage, and general liability. If you have employees, add workers' comp. If drivers use their own vehicles, add hired/non-owned auto. We build comprehensive packages based on your specific operation.
Last-mile delivery insurance focuses on high-volume, consumer-facing package delivery (e-commerce, food, groceries). Courier insurance covers same-day point-to-point delivery of documents and smaller packages. The risk profiles, frequency, and cargo values differ significantly.
Costs range from $2,500–$8,000/year per vehicle depending on delivery volume, cargo type, and driver mix. Operations with 5+ vehicles can negotiate fleet rates. We work with carriers who specialize in the delivery economy.
Get a free quote or call (321) 206-8035.