---
title: "Last-mile delivery insurance in Alabama"
description: "If you carry goods for pay in Alabama, check whether APSC authority applies and compare its filed liability and cargo requirements with your delivery fleet."
canonical: "https://spot.insure/coverage/last-mile-delivery/alabama"
page-type: "coverage-state-guide"
updated-at: "2026-09-28"
---

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# Last-mile delivery insurance in Alabama

An Alabama delivery business paid to carry others' goods may fall under Public Service Commission motor-carrier rules, subject to exemptions. For operations needing APSC authority, the Commission lists $5,000 cargo filings separately from vehicle liability; this filing minimum is not proof a specific package is insured at that amount.[^1][^2][^3]

**Coverage:** [Last-mile delivery](/coverage/last-mile-delivery) · [Alabama](/coverage/states/alabama)

## What Is Last-Mile Delivery?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. [Read the national Last-mile delivery guide](/coverage/last-mile-delivery).

## Alabama Requirements

| Requirement | Details |
| --- | --- |
| APSC cargo filing | For an APSC certificate or permit, the Commission lists $5,000 cargo insurance; confirm the specific authority and equipment class.[^1] |

## What to Watch for in Alabama

### Paid carriage versus own-delivery fleet

Alabama's compensated-carriage rule is subject to statutory exemptions. ALEA separately exempts qualifying intrastate vehicles at 26,000 pounds or less from federal rules/USDOT-number requirements, but that carveout does not itself resolve APSC insurance authority.[^2][^3]

### Keep cargo and liability limits separate

APSC lists cargo separately from bodily-injury/property-damage figures by carrier category. Set cargo against maximum route shipment value, then compare liability and filed certificate.[^1]

### Match the filed carrier identity

APSC requires the full correct name on the certificate/permit and a physical address. Quote the same operating entity and identify employee, hired and contractor vehicles.[^1]

## Who Regulates Insurance in Alabama

**Alabama Department of Insurance.** The Alabama Department of Insurance oversees insurers and licensed producers, reviews insurance filings, and takes consumer complaints. Its online services page links directly to Alabama company and agent searches, licensing resources, and complaint filing.[^4][^5][^6]

- [Regulator website](https://aldoi.gov/)
- [License lookup](https://aldoi.gov/OnlineServices.aspx)
- [File a complaint](https://insurance.alabama.gov/Consumers/FileComplaint.aspx)
- Phone: (334) 241-4141

### Surplus-Lines Tax and Stamping Office

**Reported tax rate:** 6% of taxable surplus-lines premium Alabama’s 6% tax applies to surplus-lines premium when Alabama is the insured’s home state; until the state’s multistate compact clearinghouse is operational, Alabama guidance says 100% of the premium on a multistate policy is taxed here. Separately charged policy fees are taxable. Surplus-lines policies do not receive Alabama guaranty-fund protection if the insurer becomes insolvent.[^7][^8][^10][^9][^13]

**Alabama's diligent-search rule has two exceptions:** A broker generally must make diligent effort before a surplus-lines placement; Alabama guidance says three declinations satisfy it. For an exempt commercial purchaser, 15 U.S.C. § 8205 removes that search only after the broker discloses the admitted-market protection difference and the purchaser then requests placement in writing.[^9][^11][^12]

## Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://aldoi.gov/OnlineServices.aspx) and confirm availability with a provider when requesting a quote.

## Questions to Ask Before You Buy in Alabama

1. Does APSC treat the service as compensated carriage or exempt own-account delivery?
2. Which drivers and owned, hired, rental or personal vehicles are addressed?
3. Does cargo cover loading through handoff at peak shipment values?
4. Does the certificate use the exact APSC carrier name?

## Last-Mile Delivery in Alabama: FAQ

### Does Alabama's $5,000 APSC cargo figure insure every delivery?

No. It is a filing minimum for a carrier holding an APSC certificate or permit, not a conclusion about every shipment, vehicle or platform.[^1]

### Does an intrastate truck under 26,001 pounds avoid every insurance rule?

ALEA's page describes an exemption from federal rules/USDOT registration for specified vehicles. It does not resolve APSC compensated-carriage authority or cargo coverage.[^3][^1]

## Last-Mile Delivery in Other States

- [Alaska](/coverage/last-mile-delivery/alaska)
- [Arizona](/coverage/last-mile-delivery/arizona)
- [Arkansas](/coverage/last-mile-delivery/arkansas)
- [California](/coverage/last-mile-delivery/california)
- [Colorado](/coverage/last-mile-delivery/colorado)
- [Connecticut](/coverage/last-mile-delivery/connecticut)
- [Delaware](/coverage/last-mile-delivery/delaware)
- [District of Columbia](/coverage/last-mile-delivery/district-of-columbia)
- [Florida](/coverage/last-mile-delivery/florida)

[Other Coverage in Alabama](/coverage/states/alabama)

## Sources

[^1]: [Insurance Requirements for Intrastate Authority](https://psc.alabama.gov/insurance-requirements-for-intrastate-authority/) — Alabama Public Service Commission; Lines 63–67, 149–162: APSC certificate/permit scope, $5,000 cargo, filing name/address.. Accessed 2026-09-28.
[^2]: [Rule 770-X-10-.02: Transportation For Compensation](https://admincode.legislature.state.al.us/api/rule/770-X-10-.02) — Alabama Public Service Commission; Alabama Administrative Code; Lines 6–10: compensated intrastate property transport subject to statutory exemptions.. Accessed 2026-09-28.
[^3]: [Motor Carrier Safety Unit](https://www.alea.gov/dps/highway-patrol/motor-carrier-safety-unit) — Alabama Law Enforcement Agency; Line 138: intrastate straight truck/combinations at 26,000 pounds or less, exceptions, USDOT number note.. Accessed 2026-09-28.
[^4]: [Alabama Department of Insurance](https://aldoi.gov/) — Alabama Department of Insurance; Official agency homepage. Accessed 2026-09-28.
[^5]: [Online Services](https://aldoi.gov/OnlineServices.aspx) — Alabama Department of Insurance; Links to Alabama company search, agent search, producer licensing, and consumer complaint services. Accessed 2026-09-28.
[^6]: [File a Consumer Complaint](https://insurance.alabama.gov/Consumers/FileComplaint.aspx) — Alabama Department of Insurance; Official online complaint process. Accessed 2026-09-28.
[^7]: [Code of Alabama § 27-10-31: Annual Tax of Surplus Line Brokers](https://alison.legislature.state.al.us/code-of-alabama?section=27-10-31) — Alabama Legislature; Six percent tax on direct surplus-lines premiums, less return premiums and excluding state or federal taxes. Accessed 2026-09-28.
[^8]: [Surplus Line Broker FAQs](https://aldoi.gov/SurplusLineWeb/PDF/SLBrokerFAQs.pdf) — Alabama Department of Insurance; Page 2: per-policy fees are subject to the surplus-lines broker tax under § 27-10-31. Accessed 2026-09-28.
[^9]: [Surplus Line Broker Requirements](https://aldoi.gov/Licensing/SurplusReq.aspx) — Alabama Department of Insurance; Current broker licensing and diligent-effort placement requirements. Accessed 2026-09-28.
[^10]: [Surplus Lines](https://content.naic.org/insurance-topics/surplus-lines) — National Association of Insurance Commissioners; Explains that state guaranty-fund protection available in the admitted market is not available for surplus-lines policies. Accessed 2026-09-28.
[^11]: [Surplus Line Broker FAQs](https://aldoi.gov/SurplusLineWeb/PDF/SLBrokerFAQs.pdf) — Alabama Department of Insurance; FAQ: three declinations satisfy Alabama diligent effort; FAQ references 15 U.S.C. § 8205 as a separate exception. Accessed 2026-09-28.
[^12]: [15 U.S.C. § 8205: Streamlined application for commercial purchasers](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8205+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
[^13]: [Instructions for Multi-State Policies](https://aldoi.gov/SurplusLineWeb/MultiStateInfo.aspx) — Alabama Department of Insurance; Current instruction: until SLIMPACT clearinghouse is operational, if Alabama is home state of a multistate policy, 100% of premium is taxed at 6% and remitted to Alabama. Accessed 2026-09-28.
[^14]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
[^15]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22.
[^16]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28.
[^17]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
[^18]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28.
[^19]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28.
[^20]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15.

Updated 2026-09-28.

This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source.

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