New Trucking Company? Try our Pay-by-mile Program

Whether drivers deliver laundry, take-out food, medical supplies, or other products, their risk runs high. This policy covers businesses and drivers against legal liabilities when drivers make active deliveries. Simply put, last mile delivery is the movement of goods from a transportation hub or warehouse to its final delivery destination. This industry is booming because of the on-demand economy of getting products quickly and efficiently. These business models are constantly changing to become more innovative and can grow quickly when effective. These operations should focus on their hiring, onboarding, and training their drivers, which are dispersed throughout our neighborhoods.

Last Mile Insurance

What is Last-Mile Delivery Insurance?

Last-Mile Delivery Insurance is coverage for independent contractors that may be delivering food, groceries, items from amazon, medical supplies & more! These coverages mirror Trucking Insurance coverages, but the gross weight of the vehicle may determine that you need lower liability limits required by the state you haul in. On-demand insurance has revolutionized the way we look at transportation and delivery.

The last-mile delivery industry has expanded massively in the past decade. From fresh laundry to medical supplies to a warm meal, professional delivery drivers bring items to customers every day. As a result of this industry boom, last-mile delivery businesses and drivers face many risks, not only associated with transportation liabilities and hazards, but also with delivery liabilities.

Why Do You Need Last-Mile Delivery Insurance?

FMCSA regulations are set in place to protect the public by ensuring the drivers operate with safety, avoiding potential road hazards. In order to obtain operating authority, an insurance carrier must complete your filings, confirming your insurance limits satisfy the state and federal minimum requirements for interstate & intrastate commerce transportation. Your CSA scores (compliance) dictate the terms and conditions the insurance carrier will set on you, as well as the cost of your premium, making it vital to follow your safety programs, to its entirety. You will NOT be able to book loads from any shipper/broker without Operating Authority.

Which Last-Mile Insurance Coverages Do You Need?

Independent contractors are typically not covered by workers’ compensation. Because of this, uncertainties arise in regards to topics like what to do if a driver is injured or when you need to renew their compensation policies. This is where Last Mile Delivery Insurance comes into play.

Physical Damage Insurance: This is the type of insurance that you will need to pay for the damage to your tractor/trailer during an accident, or because of another covered loss. Coverage will include both comprehensive damage caused by vandalism, theft or severe weather, as well as collision damage caused by an accident. There is a huge difference in Actual Cost Value (ACV) Vs. Replacement Cost (RC) coverage, making it vital that you have an experienced broker to advise you of these coverage differences.

Motor Truck Cargo Insurance & On-Hook Insurance: (A.K.A) MTC, this policy provides coverage for the freight you are hauling, while it is in your care, custody & control (CCC). This coverage is vital for any "For-Hire" trucking operations to protect yourself, the shipper & freight broker. Most insurance carriers have crafted their own Motor Truck Legal Liability Form, so it is important to understand what is covered & what is excluded. On-Hook Coverage is often confused with cargo insurance. On-Hook insurance only protects the vehicle itself. It does not protect personal items, like purses, laptops, and cell phones, left inside the vehicle. That’s the purview of cargo insurance. Cargo insurance protects any personal item left inside a towed vehicle from physical damage, theft, or vandalism. Cargo insurance is usually a good idea for towing businesses and can be bundled in with on-hook coverage.

Workers Compensation Insurance: Workers Compensation will cover medical bills, physical therapy, prescriptions, and necessary travel expenses for any work-related injury. In order to receive benefits, the treating doctor must be on the state’s approved list. If the injury is serious, the employee may be entitled to lifetime medical benefits. It will also cover lost wages, burial & death benefits & legal action if an employee sues your workplace after an injury.

Umbrella/Excess Insurance: Umbrella or Excess Insurance provides extra protection for your company in the event of an catastrophic loss (CAT/Shock Loss). These coverages are secondary and only triggered when all other applicable coverage limits have exhausted. It is imperative that you have this coverage as the risk of not securing it is enough to put most motor carriers out of business.

Last-Mile Insurance Coverages

Auto Liability Insurance: Your transportation liability insurance will cover bodily injury, provide financial support for medical expenses, and property damage. If legal action is taken out against you because of the accident, your liability insurance will also cover the cost of your defense, regardless if you are found to be at fault or not.

Truckers General Liability Insurance: General liability insurance for truckers is a type of insurance that can help protect you financially if you're ever held responsible for damaging someone else's property or causing an injury. This coverage is important because it can help pay for things like repairs to the other person's property, medical bills, and even legal fees if you're sued.

All Semi-Trucks

All Trailers

Dump Trucks

Box Trucks

Tow Trucks

Vehicles We Insure

Insurance Coverages We Offer

At Trucking Insurance Solutions, we assist trucking companies and haulers of all types, providing them with the best insurance rates along with the necessary compliance advice that comes with owning a trucking company. We firmly believe that experience, knowledge & negotiation is the key to successfully securing insurance coverage. We think outside of the box to craft solutions specific to your transportation operations. Terms are just as important as premium.

General Liability

Auto Liability

Physical Damage

Motor Truck Cargo

Workers Compensation

Umbrella/Excess

Bobtail & NTL

Pollution Liability

The coverages listed above are the main coverages we offer. There are over 30 endorsements we can add to your policy to enhance coverage. Click the button to learn more about specific coverages for your trucking operation, or email: Joshua@trucking-insurancesolutions.com

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