Last-Mile & Courier Delivery
Designed for the unique, high-frequency stop-and-go risks of parcel delivery, e-commerce distribution, and appliance logistics.
Operational Risk Profile
The last-mile logistics sector is defined by intense, high-frequency stop-and-go operations in dense residential and commercial neighborhoods. Key exposures include backing accidents, parcel theft, and pedestrian interactions. Furthermore, the industry’s heavy reliance on independent contractors creates complex liability and classification issues regarding driver injuries.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Commercial Auto / Hired & Non-Owned Auto (HNOA)
Liability protection for fleets, including specific endorsements to cover the business use of vehicles owned by independent 1099 contractors.
Motor Truck Cargo (Parcel/Courier)
Tailored cargo policies that account for the aggregation of hundreds of small, high-value packages in a single transit vehicle.
Occupational Accident (Occ-Acc)
A specialized alternative to standard workers’ compensation designed specifically to provide medical and disability benefits for independent 1099 owner-operators.
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