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Last-mile delivery insurance in Idaho

Idaho Code § 41-2519, effective July 1, 2015, requires primary automobile liability of $50,000 per person, $100,000 per incident, and $25,000 property damage while a driver is logged on and not engaged in a prearranged ride. On a prearranged ride the primary limit is $1 million for death, bodily injury, and property damage. Section 41-2518 defines the service as transportation of passengers and riders. It does not set a food, parcel, or property delivery limit. 1,2

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.

Idaho Requirements

RequirementDetails
Logged on, not on a prearranged ride$50,000 / $100,000 / $25,000 1
Prearranged ride$1 million 1

What to Watch for in Idaho

  • The Insurance Section Dates to July 1, 2015

    Section 41-2519 has carried the logged-on and on-ride split since July 1, 2015. A quote built on a later model-bill draft is not what this section states. Match the period to the statute: available on the network versus engaged in a prearranged ride. 1

  • Riders Are Not a Parcel Route

    Section 41-2518 speaks of passengers and riders. A delivery of food or packages is outside that definition, so the $1 million ride limit is not a cargo or goods-delivery minimum. Ask what contract, if any, requires cargo coverage, because this chapter does not. 2

  • Primary Coverage Has to Recognize the Use

    The insurance required by § 41-2519 is primary automobile liability that recognizes the driver is available for, or engaged in, the prearranged ride. A personal policy that is silent, or that excludes the use, does not satisfy the section by itself. The company, the driver, or both have to supply the primary limit. 1

Who Regulates Insurance in Idaho

Idaho Department of Insurance

The Idaho Department of Insurance administers insurance laws and regulates insurers and licensed producers. It directs users to the NAIC State Based Systems lookup for producer and company licensing records and accepts consumer complaints. 3,7,4

Surplus-lines tax and stamping office

Reported tax rate: 1.5% of premium when Idaho is the home state for property and casualty coverage Idaho’s surplus-lines tax is 1.5%. For property-and-casualty insurance other than workers’ compensation, if Idaho is the insured’s home state the full premium is taxed regardless of where covered risks are located; other lines follow the statutory allocation rule. Surplus-lines policies do not receive Idaho guaranty-association protection. 5,6,8

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 and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Idaho

  1. Does the policy recognize logged-on availability and the prearranged ride as § 41-2519 defines them?
  2. Who provides the primary $50,000/$100,000/$25,000 limit if the personal policy excludes the use?
  3. Are you applying the $1 million ride limit to a goods delivery that § 41-2518 does not describe?

Last-Mile Delivery in Idaho: FAQ

What limit does Idaho require during a prearranged transportation-network ride? 1

$1 million. Idaho Code § 41-2519 sets that primary limit for death, bodily injury, and property damage while the driver is engaged in a prearranged ride. 1

Does Idaho's transportation-network insurance statute set a parcel-delivery minimum? 2

No. Section 41-2518 defines the service around passengers and riders, and the insurance section does not add a goods-delivery limit. 2

Last-Mile Delivery in Other States

Other Coverage in Idaho

Sources

  1. Idaho Code § 41-2519 Financial responsibility of transportation network companies and drivers. Idaho State Legislature; § 41-2519(1)-(3); added 2015, ch. 316, sec. 1. Accessed 2026-09-29.
  2. Idaho Code § 41-2518 Definitions. Idaho State Legislature; § 41-2518(4) and (6). Accessed 2026-09-29.
  3. Idaho Department of Insurance. Idaho Department of Insurance; Official regulator homepage and consumer resources. Accessed 2026-09-28.
  4. Consumers. Idaho Department of Insurance; Official consumer service bureau page with File a Complaint links and published phone. Accessed 2026-09-28.
  5. Idaho Insurance Laws and Regulations. Idaho Department of Insurance; 2026 publication: Idaho Code § 41-1204, 1.5% premium tax and home-state allocation rule. Accessed 2026-09-28.
  6. Surplus Lines. Idaho Department of Insurance; Idaho surplus-lines broker requirement and Idaho SLA membership. Accessed 2026-09-28.
  7. Request Public Records. Idaho Department of Insurance; Department states that producer and insurer licensing records are maintained by State Based Systems and links to individual SBS Lookup Search. Accessed 2026-09-28.
  8. Surplus Lines: Facts to Know. Idaho Department of Insurance; Department publication says there is no state guaranty-association coverage for surplus-lines insurance if the company becomes insolvent. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. 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.
  11. Insurance Producer 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.
  12. About Hiscox US 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.
  13. 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.
  14. Insurance Licenses by State. 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.
  15. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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