Last-Mile & Courier Delivery
Comprehensive protection for white-glove delivery operations, heavy goods transport, and retail or perishable distribution fleets utilizing company-owned vehicles.
Operational Risk Profile
Operating a dedicated fleet for heavy goods and retail distribution requires navigating both high-frequency transit risks and complex on-premises hazards. Key exposures include stop-and-go urban traffic collisions, severe property damage claims while carrying heavy appliances or furniture inside residential homes, refrigeration breakdown causing perishable spoilage, and the theft of high-value electronics. We structure fleet architecture designed specifically to address these white-glove and retail distribution exposures.
Core Coverage Considerations
While every delivery operation has a unique risk profile, a foundational risk management strategy for white-glove and retail fleets typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific routes.
Scaled Commercial Auto & Fleet Liability
The foundation of your logistics operation. We structure fleet liability programs specifically underwritten for the rigorous demands of multi-stop and residential delivery routes. Whether your drivers are W-2 employees or 1099 contractors, we ensure they are properly scheduled on your company-owned box trucks, cargo vans, or refrigerated units.
Motor Truck Cargo & Reefer Breakdown
Protecting the high-value goods in your custody. We secure comprehensive cargo policies tailored to your specific freight—ranging from high-end electronics, appliances, and furniture to specialized refrigeration breakdown (reefer breakdown) coverage for perishable food, catering, and floral delivery fleets.
General Liability & In-Home Installation
White-glove delivery requires moving heavy freight inside third-party premises. We ensure your General Liability is properly aligned to cover property damage or bodily injury that occurs while moving freight from the vehicle into client homes, navigating tight stairwells, or performing basic appliance and fitness equipment assembly.
Workers’ Compensation & Occupational Accident
Protecting your driver workforce. We navigate complex transportation class codes to secure robust workers’ compensation for your W-2 employees. For logistics operations utilizing 1099 contractors driving your vehicles, we can structure specialized Occupational Accident coverage to protect against injuries sustained during transit, heavy lifting, or in-home delivery, keeping your business compliant.
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