--- title: "Last-mile delivery insurance in Colorado" description: "Colorado delivery quotes should reflect both the freight agreement and vehicle class: state law includes loading and unloading in transportation contracts and sets separate commercial-vehicle safety thresholds." canonical: "https://spot.insure/coverage/last-mile-delivery/colorado" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/last-mile-delivery/colorado) # Last-mile delivery insurance in Colorado Colorado defines a transportation contract to include paid property transport, entry to load/unload and related services. Separately, its commercial-vehicle safety definition generally starts at 16,001 pounds GVWR/GCWR, with detailed hazmat and passenger cases. Use those scopes to review contracts, schedules and cargo terms; neither definition itself grants policy coverage.[^1][^2][^4][^3] **Coverage:** [Last-mile delivery](/coverage/last-mile-delivery) · [Colorado](/coverage/states/colorado) ## 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). ## Colorado Requirements | Requirement | Details | | --- | --- | | Commercial-vehicle safety class | Section 42-4-235 generally includes vehicles rated at least 16,001 pounds and placarded hazmat vehicles; confirm its detailed definition.[^2] | ## What to Watch for in Colorado ### Loading and unloading belong in contract review Colorado includes paid loading/unloading entry and related services in transportation-contract definition. Compare that promise with auto, cargo and GL quote wording; ask when cargo protection begins/ends.[^1] ### Do not mistake a safety threshold for an insurance limit Colorado's 16,001-pound class is for a safety statute and has exceptions; it is not one delivery-auto limit. Provide route, GVWR/GCWR, commodity and trailer details.[^2][^4] ### Contract liability may exceed ordinary auto minimum Colorado lists $25,000/$50,000 bodily-injury and $15,000 property-damage minimums. Delivery agreements may request different limits; compare declarations and endorsements with each written contract.[^4][^5][^1] ### Platform disclosures are not an insurance certificate If a delivery-network company dispatches the work, Colorado requires specified consumer and driver disclosures, including task distances and payment information. Ask the platform for written auto and cargo terms by task stage, then compare them with your own hired/non-owned auto and goods-in-transit quote.[^6] ## Who Regulates Insurance in Colorado **Colorado Division of Insurance.** The Division administers Colorado insurance laws and regulates insurers and insurance producers. You can search producer licenses through Colorado’s official DORA lookup and send insurance complaints to the Division.[^7][^8][^9] - [Regulator website](https://doi.colorado.gov/) - [License lookup](https://apps2.colorado.gov/dora/licensing/default.aspx) - [File a complaint](https://doi.colorado.gov/for-consumers/file-complaint) - Phone: (303) 894-7499 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of net premium When Colorado is the insured’s home state, its surplus-lines tax is 3% of taxable premium. The Colorado Surplus Lines Association says insurer or broker fees charged in connection with the placement are included in the tax base; federal or other-state taxes and examination fees are excluded. For multistate risks, a tax-sharing agreement may allocate premium tax to other states.[^10][^12][^11] ## 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://apps2.colorado.gov/dora/licensing/default.aspx) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Colorado 1. What does each shipper agreement make you responsible for at pickup, loading, transport, unloading and handoff? 2. Which units meet 16,001 pounds or carry placarded hazmat? 3. Do contract limits exceed ordinary auto minimums? 4. Are contractors/hired-nonowned autos and peak-value cargo separately addressed? ## Last-Mile Delivery in Colorado: FAQ ### Does Colorado's transportation-contract definition mean cargo is insured during loading? No. It defines agreements/services, including loading and unloading. It does not determine policy coverage; compare cargo custody and exclusions with your contract.[^1] ### Does a van under 16,001 pounds have no commercial insurance duties? That threshold applies to one commercial-vehicle safety definition. Other vehicle, contract and insurance requirements may apply; do not treat it as a coverage exemption.[^2][^4] ### Does Colorado’s delivery-network disclosure law establish platform insurance for my delivery? No. It addresses delivery-network company disclosures and contracting. Request the platform’s applicable insurance documents and compare their named insureds, vehicle, task-stage and cargo terms with your own placements.[^6] ## Last-Mile Delivery in Other States - [Alabama](/coverage/last-mile-delivery/alabama) - [Alaska](/coverage/last-mile-delivery/alaska) - [Arizona](/coverage/last-mile-delivery/arizona) - [Arkansas](/coverage/last-mile-delivery/arkansas) - [California](/coverage/last-mile-delivery/california) - [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 Colorado](/coverage/states/colorado) ## Sources [^1]: [Colorado Revised Statutes 2026, Title 42](https://olls.info/crs/crs2026-title-42.pdf) — Colorado General Assembly, Office of Legislative Legal Services; §42-7-201(16)(a)(I)–(III), pp.1230: compensated/hire transport, loading/unloading entry, incidental/related services; exception for railroad/intermodal agreements in (b).. Accessed 2026-09-28. [^2]: [Colorado Revised Statutes 2026, Title 42](https://olls.info/crs/crs2026-title-42.pdf) — Colorado General Assembly, Office of Legislative Legal Services; §42-4-235(1)(a), p.678: apportioned-plate, 16,001-pound GVWR/GCWR commerce and other included vehicle classes, subject to section definitions.. Accessed 2026-09-28. [^3]: [2026 CRS Titles for Download](https://content.leg.colorado.gov/agencies/office-legislative-legal-services/2026-crs-titles-download) — Colorado General Assembly, Office of Legislative Legal Services; Current with amendments/additions/repeals by the Seventy-fifth General Assembly at its Second Regular Session in 2026; identifies Title 42 download.. Accessed 2026-09-28. [^4]: [Colorado Revised Statutes 2026, Title 10](https://olls.info/crs/crs2026-title-10.pdf) — Colorado General Assembly, Office of Legislative Legal Services; §10-4-620, p.663: minimum liability limits of $25,000/$50,000 bodily injury and $15,000 property damage.. Accessed 2026-09-28. [^5]: [Mandatory Automobile Insurance in Colorado](https://leg.colorado.gov/content/mandatory-automobile-insurance-colorado) — Colorado General Assembly; State guide states ordinary auto liability limits of $25,000/$50,000 bodily injury and $15,000 property damage; read alongside current 2026 codification.. Accessed 2026-09-28. [^6]: [HB24-1129, Protections for Delivery Network Company Drivers](https://www.leg.colorado.gov/bills/hb24-1129) — Colorado General Assembly; Bill summary: effective January 1, 2025, a delivery network company must disclose specified payment/distance information and provide terms to drivers and merchants; approved June 4, 2024. These disclosures do not establish insurance coverage.. Accessed 2026-09-28. [^7]: [Colorado Division of Insurance](https://doi.colorado.gov/) — Colorado Department of Regulatory Agencies; Official insurance regulator homepage; DOI oversight and consumer resources. Accessed 2026-09-28. [^8]: [DORA Online Services](https://apps2.colorado.gov/dora/licensing/default.aspx) — Colorado Department of Regulatory Agencies; Official DORA online services portal; select Online License Verification and insurance profession. Accessed 2026-09-28. [^9]: [File a Complaint](https://doi.colorado.gov/for-consumers/file-complaint) — Colorado Division of Insurance; Official form and instructions for insurance complaints. Accessed 2026-09-28. [^10]: [HB23-1111: Unauthorized Insurance Premium Tax Rate](https://www.leg.colorado.gov/bills/HB23-1111) — Colorado General Assembly; Enacted bill harmonizes unauthorized insurance tax rate at 3%, effective January 1, 2024; parity with surplus-lines rate. Accessed 2026-09-28. [^11]: [Frequently Asked Questions](https://colosla.org/about/faq) — Surplus Lines Association of Colorado; FAQ: Colorado home-state tax; fee charged by insurer or broker in connection with placement included in premium base; qualifying federal/other-state taxes and examination fees excluded; commercial exempt policyholder due-diligence exception. Accessed 2026-09-28. [^12]: [Colorado Revised Statutes, Title 10 (2024)](https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-10.pdf) — Colorado General Assembly, Office of Legislative Legal Services; C.R.S. § 10-5-111.5, surplus-lines premium tax and home-state application. Accessed 2026-09-28. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/last-mile-delivery/colorado.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)