Last-Mile Delivery Insurance
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.
Coverages we place
- Commercial auto liability for last-mile delivery vehicles
- Physical damage for cars, vans, and light trucks
- Cargo coverage for packages and goods in transit
- Loading/unloading liability at customer locations
- Hired and non-owned auto for contractor-supplied vehicles
- Workers' compensation for delivery employees
- General liability for customer interactions and property access
- Technology/platform liability for app-based operations
Who needs this coverage
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.
What drives your premium
- Delivery volume (packages per day/week)
- Vehicle types in the operation
- Number of drivers (employees vs. contractors)
- Cargo value and type
- Operating territory and urban density
- Technology and tracking systems in use
- Claims history and safety programs
Common exclusions
- Warehouse operations (requires separate warehouse liability)
- Cross-country shipping (that's freight/trucking insurance)
- Spoilage without temperature-controlled endorsement
- Personal vehicle use outside delivery duties
- Platform coverage gaps (Uber Eats, DoorDash have their own limitations)
Frequently asked questions
What insurance does a last-mile delivery company need?
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.
How is last-mile insurance different from courier insurance?
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.
How much does last-mile delivery insurance cost?
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.
Related coverage
Get a free quote or call (321) 206-8035.