Transportation

Couriers & last-mile delivery

Courier, parcel, and last-mile delivery operators using cars, vans, or box trucks.

Why it needs cover

The exposure

Frequent stops and urban driving drive auto-accident frequency; cargo coverage protects delivered goods, and HNOA covers drivers using personal vehicles.

What we place

Coverages this class usually needs

Commercial autoRequired (owned vehicles)

Vehicle accidentsCore driving exposure

Hired & non-owned auto (HNOA)Often (contract)

Personal vehicles used for deliveryGig/1099 drivers

Motor truck cargo / goods in transitOften (contract)

Delivered goodsParcel value

General liabilityOften (contract)

Premises/third-partyDepot and handoff

Workers' compensationRequired (with employees)

Driver injuriesOn-road/loading risk

What it costs

National benchmark premiums

Rated on: Per vehicle

General liability

comparable to light commercial auto classes; trucking/delivery GL averages ~$51/mo

Commercial auto

light delivery vehicles trend toward the lower end of commercial truck ranges; box trucks are among the least expensive truck classes

Total annual (typical)

roughly $2,000-$6,000/yr per light vehicle depending on radius and record

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Trucking cost); MoneyGeek (commercial truck cost).

When it goes E&S

Where this risk gets hard to place

Amazon DSP and high-frequency urban delivery fleets with adverse loss runs frequently require specialty commercial-auto markets.

Contact

Talk to us about Couriers & last-mile delivery.

Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.