What Last-Mile Delivery Insurance Requirements Apply in Illinois?

The Transportation Network Providers Act, 625 ILCS 57/10, requires $50,000 per person, $100,000 per incident, and $25,000 property damage from log-on until the driver accepts a request to transport a passenger, and again after the ride ends. From acceptance until the ride or transaction is complete, the primary limit is $1 million, plus $50,000 uninsured and underinsured motorist coverage while a passenger is in the vehicle. The section is scheduled to be repealed on September 1, 2028. The Department of Insurance says most personal auto policies exclude livery or driving for compensation.

What Is Last-Mile Delivery Insurance?

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.

Illinois Last-Mile Delivery Insurance Requirements

Requirement	Details
Logged on, before a passenger request is accepted	$50,000 / $100,000 / $25,000 ¹
From acceptance through the ride	$1 million, plus $50,000 uninsured/underinsured motorist while a passenger is in the vehicle ¹

What to Watch for With Last-Mile Delivery in Illinois

The Company Owes Contingent Coverage
If the driver's policy excludes the use or misses the logged-on limits, 625 ILCS 57/10 requires the transportation network company to maintain contingent coverage in the $50,000/$100,000/$25,000 amounts. Ask which policy is primary at log-on and which one answers if the personal policy excludes livery. ¹
The Section Is Set to Repeal in 2028
The statute page schedules repeal of the section on September 1, 2028. A multi-year policy that assumes today's split still governs after that date needs a fresh look at whatever replaces it. Until then, the acceptance trigger, not a generic 'on trip' label, is what moves the limit to $1 million. ¹
Most Personal Policies Exclude Livery
The Department of Insurance ride-sharing page says most personal auto policies contain exclusions when the vehicle is used for livery or driving for compensation. A delivery or passenger shift can fall outside the personal policy even before a passenger is in the car. Read the exclusion against the log-on period, not only against the completed ride. ³
The Trigger Is a Passenger Request
Section 57/5 and the insurance duty are built around a request to transport a passenger. Accepting a goods-delivery request is not the acceptance the $1 million sentence describes. Do not use the passenger act as a parcel minimum. ^2,¹

Which Last-Mile Delivery Providers Have Illinois License Records?

No provider in our research has both a state license record and a listing for 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.

Who Regulates Insurance in Illinois?

Illinois Department of Insurance

The Department licenses and oversees insurers and insurance producers doing business in Illinois, reviews regulated insurance activity, and investigates complaints about coverage, claims, premiums, and sales. ^4,^6,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (866) 445-5364

Surplus-Lines Tax and Stamping Office in Illinois

Reported tax rate. 3.5% of taxable premium plus a 0.04% stamping fee; separate 1% fire marshal tax on taxable fire premium ^8,^7,^11,^12,⁹

When Illinois is the insured’s home state, the broker reports and remits a 3.5% tax on gross taxable surplus-line premium less returned taxable premium. The separate SLAI stamping fee is 0.04% for policies effective on or after January 1, 2023; a 1% fire marshal tax also applies to taxable fire premium.

Surplus Line Association of Illinois

Illinois guaranty fund limits: For covered claims against a member insurer, the Illinois Insurance Guaranty Fund generally caps its obligation at $500,000 per claim; workers’ compensation claims are excepted from that dollar cap. This fund does not protect policies issued by nonadmitted surplus-lines insurers. The net-worth exclusions apply to covered claims against member insurers. ⁹
Illinois FAIR Plan: If you cannot obtain basic property coverage in the voluntary market, the Illinois FAIR Plan offers a residual-market option for eligible property. Check its current eligibility and coverage limits before relying on it for a commercial location. ¹⁰

Questions to Ask Before You Buy Last-Mile Delivery in Illinois

If the personal policy excludes livery, does the company's contingent coverage meet the $50,000/$100,000/$25,000 log-on duty?
Does the $50,000 uninsured-motorist coverage apply only while a passenger is in the vehicle, as 625 ILCS 57/10 states?
What happens to this split if you are still on the policy after the September 1, 2028 repeal date?
Is the acceptance you are insuring a passenger request, or a goods delivery the act does not describe?

Last-Mile Delivery Insurance in Illinois: Frequently Asked Questions

When is the Illinois transportation-network insurance section scheduled to repeal?

September 1, 2028. The 625 ILCS 57/10 page schedules repeal of the section on that date. ¹

Does a typical Illinois personal auto policy cover driving for compensation?

No. The Department of Insurance says most personal auto policies exclude livery or driving for compensation. ³

Sources for Last-Mile Delivery Insurance in Illinois

1
625 ILCS 57/10 Insurance. Illinois General Assembly; 625 ILCS 57/10(b) and (c); repeal date September 1, 2028. Accessed 2026-09-29.
2
625 ILCS 57/5 Definitions. Illinois General Assembly; Definition of transportation network company services. Accessed 2026-09-29.
3
Ride-Sharing and Car-Sharing. Illinois Department of Insurance; Commercial Ride-Sharing section. Accessed 2026-09-29.
4
Illinois Department of Insurance. Illinois Department of Insurance; Official agency homepage and agency information. Accessed 2026-09-28.
5
File a Complaint. Illinois Department of Insurance; Official insurance complaint intake and consumer phone. Accessed 2026-09-28.
6
Agent Lookup. Illinois Department of Insurance; Department page explains use of Illinois SBS Lookup for agents, brokers, and business entities; Department home provides company license lookup. Accessed 2026-09-28.
7
Calculating & Remitting Taxes: Surplus Line Tax. Surplus Line Association of Illinois; Current surplus-line tax applicability and rate. Accessed 2026-09-28.
8
215 ILCS 5/445: Surplus line. Illinois General Assembly; Subsections (3)(a), (12): tax and code applicability. Accessed 2026-09-28.
9
215 ILCS 5: Illinois Insurance Guaranty Fund. Illinois General Assembly; Article XXXIV: cap, net-worth exclusions, exceptions, and non-admitted insurer exclusion. Accessed 2026-09-28.
10
Illinois FAIR Plan Association. Illinois FAIR Plan Association; Plan overview and current eligibility information. Accessed 2026-09-28.
11
Stamping Fees: Fee Calculation. Surplus Line Association of Illinois; Current stamping fee 0.04% of premium for policies effective January 1, 2023 or later; may be passed to insured. Accessed 2026-09-28.
12
50 Ill. Adm. Code § 2701.130: Taxes. Illinois Joint Committee on Administrative Rules; Surplus line producer pays 1% fire marshal tax on gross premiums less returned premiums for insurance subject to the Fire Investigation Act. Accessed 2026-09-28.
13
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. 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. 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. 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. 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. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
19
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.
20
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.

What Last-Mile Delivery Insurance Requirements Apply in Illinois?

What Is Last-Mile Delivery Insurance?

Illinois Last-Mile Delivery Insurance Requirements

What to Watch for With Last-Mile Delivery in Illinois

The Company Owes Contingent Coverage

The Section Is Set to Repeal in 2028

Most Personal Policies Exclude Livery

The Trigger Is a Passenger Request