---
title: "Last-mile delivery insurance in Florida"
description: "As of September 28, 2026, compare Florida’s current heavy-CMV bands with each vehicle’s GVW; a signed amendment expands the rule on October 1, 2026. Local pickup/delivery also has distinct IRP treatment, which is a registration question rather than coverage."
canonical: "https://spot.insure/coverage/last-mile-delivery/florida"
page-type: "coverage-state-guide"
updated-at: "2026-09-28"
---

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# Last-mile delivery insurance in Florida

As of September 28, 2026, §627.7415’s then-operative schedule sets $50,000/$100,000/$300,000 combined liability bands for commercial motor vehicles at 26,000/35,000/44,000 pounds. Chapter 2026-39, §46, takes effect October 1, 2026, and extends the amended section to qualified motor vehicles defined in §§207.002 and 320.01. FDOT separately excludes city pickup-and-delivery vehicles from IRP apportionment. These are vehicle/registration distinctions, not proof of cargo or delivery-use coverage.[^1][^2]

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

## 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).

## Florida Requirements

| Requirement | Details |
| --- | --- |
| Heavy-vehicle liability bands | Through September 30, 2026, the 2025 statute lists $50,000 at 26,000–34,999 pounds, $100,000 at 35,000–43,999, and $300,000 at 44,000+ for covered commercial motor vehicles. From October 1, 2026, Ch. 2026-39 §46 amends the covered classes to include qualified motor vehicles; confirm the statutory weight definitions and federal Part 387 scope.[^1][^3] |

## What to Watch for in Florida

### Don't apply the heavy schedule to every van

The 2025 statute’s listed commercial-vehicle bands begin at 26,000 pounds; from October 1, 2026 the enacted amendment also includes qualified motor vehicles. A lighter vehicle outside one statutory band is not thereby free from every legal duty, nor does personal insurance necessarily accept delivery.[^1][^3]

### IRP treatment is not insurance treatment

FDOT excludes city pickup-and-delivery vehicles from IRP apportionment. That is a registration distinction, not a waiver of auto liability or cargo protection.[^2][^1]

### Registration and auto liability do not value packages

IRP route treatment is a registration question; it does not set cargo value or transit protection. Quote the highest load, custody period, loading/unloading and handoff separately.[^2][^3]

## Who Regulates Insurance in Florida

**Florida Office of Insurance Regulation.** The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches.[^4][^5][^6]

- [Regulator website](https://floir.gov/)
- [License lookup](https://myfloridacfo.com/division/ica/resources)
- [File a complaint](https://myfloridacfo.com/division/consumers/needourhelp)
- Phone: 1-877-693-5236

### Surplus-Lines Tax and Stamping Office

**Reported tax rate:** 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection.[^7][^8][^9]
[Florida Surplus Lines Service Office](https://www.fslso.com/)

## 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://myfloridacfo.com/division/ica/resources) and confirm availability with a provider when requesting a quote.

## Questions to Ask Before You Buy in Florida

1. What is each vehicle's GVW/GVWR and does it reach 26,000 pounds?
2. Does IRP apply to routes beyond local pickup/delivery?
3. Which employee, contractor, rental and personal vehicles are used?
4. What delivery-platform auto/cargo terms apply, with what trigger and handoff limit?

## Last-Mile Delivery in Florida: FAQ

### Does Florida's $50,000 band apply to a 10,000-pound delivery van?

The 2025 version of §627.7415 lists bands beginning at 26,000 pounds for commercial motor vehicles. Chapter 2026-39 §46 becomes effective October 1, 2026 and changes covered classes; neither schedule determines all legal duties or whether a personal policy accepts delivery.[^1][^3]

### Does the city pickup-and-delivery IRP exception exempt insurance?

No. FDOT's page concerns apportioned registration under IRP. It does not waive liability requirements or insure packages.[^2][^1]

## 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)
- [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)

[Other Coverage in Florida](/coverage/states/florida)

## Sources

[^1]: [Florida Statutes §627.7415: Commercial motor-vehicle insurance](https://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7415.html) — Florida Legislature, Online Sunshine; 2025 Florida Statutes, current section: $50k/$100k/$300k bands at 26k/35k/44k pounds.. Accessed 2026-09-28.
[^2]: [IRP/Commercial Vehicle FAQs](https://www.fdot.gov/traffic/cvotim/cvo/truckinginfo/faqs) — Florida Department of Transportation; Lines 18–23: IRP apportionable vehicle definition and city pickup/delivery exclusion.. Accessed 2026-09-28.
[^3]: [Florida Laws 2026, Chapter 2026-39, §46](https://laws.flrules.org/2026/39) — Florida Legislature / Florida Department of State; Page 39, §46 amending §627.7415 to add qualified motor vehicles and incorporate 49 CFR Part 387; §47 at p.40 makes the act effective October 1, 2026; Governor approved Apr. 21, 2026.. Accessed 2026-09-28.
[^4]: [Florida Office of Insurance Regulation](https://floir.gov/) — Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
[^5]: [Resources](https://myfloridacfo.com/division/ica/resources) — Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
[^6]: [Get Insurance Help](https://myfloridacfo.com/division/consumers/needourhelp) — Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
[^7]: [Florida Statutes § 626.932: Surplus lines tax](https://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.932.html) — Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
[^8]: [FSLSO Bulletin 2026-02](https://www.fslso.com/docs/default-source/bulletins/fslso-bulletin-2026-02.pdf?sfvrsn=186161a3_1) — Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
[^9]: [Surplus Lines Search](https://www.floir.gov/resources-and-reports/surplus-lines-search) — Florida Office of Insurance Regulation; Consumer guidance for nonadmitted insurers, including absence of FIGA protection. Accessed 2026-09-28.
[^10]: [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.
[^11]: [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.
[^12]: [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.
[^13]: [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.
[^14]: [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.
[^15]: [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.
[^16]: [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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