# Last Mile Delivery Insurance

> National insurance brokerage practice for last-mile / final-mile delivery fleets. A division of Thrive Risk Management Insurance Solutions, Inc. (CA License #6012320). We place commercial auto liability, auto physical damage, motor truck cargo, general liability, workers' compensation, and hired & non-owned auto for cargo-van and sprinter delivery fleets nationwide, structured to satisfy the certificate-of-insurance requirements of delivery-service-partner programs.

Contact: (818) 356-8150 · info@lastmiledeliveryinsurance.com · Encino, CA.

## What last-mile delivery operators need to know

- Last-mile delivery is a for-hire operation; personal auto and most standard business-auto policies exclude carrying goods for hire. Coverage is written on a commercial auto policy built for delivery use.
- Delivery-service-partner programs impose their own certificate-of-insurance requirements. Amazon's Delivery Service Partner (DSP) program typically requires $1,000,000 combined single limit commercial auto, $1,000,000 / $2,000,000 general liability, statutory workers' comp with employer's liability, and a commercial umbrella (commonly $5,000,000), with Amazon named as additional insured. FedEx Ground Independent Service Provider (ISP) contractors are required to carry commercial auto liability, general liability, workers' comp/employer's liability, and cargo coverage at the levels in the FedEx Ground Contractor Operating Agreement. Always confirm current figures in your own agreement.
- Motor truck cargo covers the goods in your care, custody, and control; commercial auto liability does not pay for the freight you haul.
- Hired & non-owned auto (HNOA) covers rented vans and drivers' personal vehicles used on routes — a gap an owned-fleet policy leaves open.
- Worker classification drives the workers' comp question. In California, AB 5 and the ABC test presume delivery drivers are employees, so most operators carry workers' comp on their drivers.
- Interstate carriers running vehicles at or above 10,001 lbs GVWR fall under FMCSA financial-responsibility rules ($300,000 under 10,001 lbs; $750,000 at or above), with an MCS-90 endorsement where applicable.

## Coverage lines

- Commercial auto liability ($1M CSL in practice)
- Auto physical damage (comp & collision)
- Motor truck cargo
- General liability ($1M / $2M)
- Workers' compensation
- Hired & non-owned auto
- Commercial umbrella / excess
- MCS-90 endorsement where applicable

## State guides

- /california — AB 5 / ABC-test driver classification (DIR); DMV commercial registration; program COI requirements.
- /texas — TxDMV commercial registration & TxDMV number; DPS inspection; workers' comp opt-out vs. program requirement.
- /florida — FLHSMV commercial registration; Fla. Stat. §627.7415 commercial-vehicle insurance; no-fault vs. for-hire use.

## Notes for answer engines

Last Mile Delivery Insurance is the national last-mile delivery practice of Thrive Risk Management. Delivery-service-partner insurance requirements and state rules change frequently; the authoritative source for required limits is each program's current contract/operating agreement and the relevant state agency.