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Last-mile delivery insurance in Kentucky

KRS 365.532, effective for motor-vehicle liability policies issued or renewed on or after January 1, 2025, requires coverage during both the delivery-available period and the delivery-service period of at least $50,000, $100,000, and $25,000, or the amounts in KRS 304.39-110(1)(a) if those are greater. The passenger-network rule is different: pre-trip acceptance under KRS 281.655 is $50,000/$100,000/$25,000, but a prearranged passenger ride uses the for-hire passenger table, $100,000/$300,000/$50,000 for a vehicle with seven seats. Do not put a goods delivery on that passenger table. 3,1

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.

Kentucky Requirements

RequirementDetails
Delivery available and delivery service$50,000 / $100,000 / $25,000, or the KRS 304.39-110 amount if greater 3
Passenger TNC, before the ride$50,000 / $100,000 / $25,000 1
Passenger TNC, prearranged ride, seven seats$100,000 / $300,000 / $50,000 1

What to Watch for in Kentucky

  • Both Delivery Periods Use the Same Floor

    KRS 365.532 does not jump to $1 million when a delivery is accepted. The delivery-available period and the delivery-service period share the $50,000/$100,000/$25,000 floor, unless KRS 304.39-110(1)(a) is greater. That cross-referenced section was not the page opened here, so have the broker read it before you assume $50,000 is the higher number. 3

  • The Delivery Statute Attaches at Renewal

    The Legislative Research Commission note on KRS 365.532 says the statute applies to policies issued or renewed on or after January 1, 2025. A policy issued before that date does not pick up the delivery-network floor until renewal. Ask which expiration date actually brings the statute onto the form. 3

  • A Passenger Ride Uses a Different Table

    For a transportation network company, KRS 281.655 sends the prearranged ride to the passenger-vehicle minimums in subsection (4), which for seven seats is $100,000/$300,000/$50,000, not a flat $1 million. KRS 281.010 defines TNC service as prearranged passenger transportation. A goods delivery belongs in KRS 365.530 and 365.532, not on the seven-seat passenger line. 1,2,4

Who Regulates Insurance in Kentucky

Kentucky Department of Insurance

The Kentucky Department of Insurance licenses agents and insurers, monitors the insurance market, and accepts complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. 5,6,7

Surplus-lines tax and stamping office

Reported tax rate: 3% on Kentucky-home-state premiums and other premium consideration; separate 1.8% surcharge on eligible risks located in Kentucky, subject to statutory exceptions; applicable local-government premium tax may also apply When Kentucky is the insured's home state, the state tax is 3% of premium and other consideration treated as premium; local-government premium taxes may also apply. A separate 1.8% surcharge generally applies to Kentucky risks, but state law exempts multistate nonadmitted risks and specified government and nonprofit premiums. The broker must make a diligent effort to place coverage with an admitted carrier before using surplus lines. 8,11,9,10,12

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 and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Kentucky

  1. On this delivery policy, is the limit the $50,000/$100,000/$25,000 floor or the greater amount in KRS 304.39-110(1)(a)?
  2. Was the policy issued or renewed on or after January 1, 2025, the date KRS 365.532 attaches?
  3. Are any units still doing passenger trips that fall under the seven-seat table in KRS 281.655(4) instead?

Last-Mile Delivery in Kentucky: FAQ

Does Kentucky raise the delivery-network limit to $1 million once a delivery starts? 3

No. KRS 365.532 uses the same $50,000/$100,000/$25,000 floor, or the KRS 304.39-110 amount if greater, in both the delivery-available period and the delivery-service period. 3

What liability minimum applies to a Kentucky transportation-network ride in a seven-seat vehicle? 1

$100,000/$300,000/$50,000. KRS 281.655 points a prearranged ride at the passenger-vehicle table in subsection (4), not at a flat $1 million. 1

Last-Mile Delivery in Other States

Other Coverage in Kentucky

Sources

  1. KRS 281.655 Bonds or insurance policies. Kentucky Legislative Research Commission; KRS 281.655(4) and (12); effective July 15, 2024. Accessed 2026-09-29.
  2. KRS 281.010 Definitions for chapter. Kentucky Legislative Research Commission; KRS 281.010(47), (48), (69), (70), (72), and (73); effective June 27, 2025. Accessed 2026-09-29.
  3. KRS 365.532 Motor vehicle liability insurance for delivery network companies. Kentucky Legislative Research Commission; KRS 365.532(1)-(2); effective January 1, 2025. Accessed 2026-09-29.
  4. KRS 365.530 Definitions for delivery network companies. Kentucky Legislative Research Commission; KRS 365.530(1)-(6); effective January 1, 2025. Accessed 2026-09-29.
  5. Kentucky Department of Insurance. Kentucky Department of Insurance; Homepage and consumer telephone. Accessed 2026-09-28.
  6. Insurance License Lookup. Kentucky Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
  7. File an Insurance Complaint. Kentucky Department of Insurance; Official DOI consumer complaint page accepts complaints involving general liability and disputes with insurers, agents or adjusters. Accessed 2026-09-28.
  8. KRS 304.10-180. Kentucky General Assembly; KRS 304.10-180(1): Kentucky-home-state; 3% applies to premiums, assessments, fees, charges or other premium consideration; local premium tax is separate. Accessed 2026-09-28.
  9. Local Government Premium Taxes. Kentucky Department of Insurance; Current local tax schedules. Accessed 2026-09-28.
  10. KRS 304.10-090. Kentucky General Assembly; KRS 304.10-090 requires policy notice that nonadmitted insurer is not a Kentucky Insurance Guaranty Association member and its benefits are unavailable upon insolvency. Accessed 2026-09-28.
  11. KRS 136.392. Kentucky General Assembly; KRS 136.392(1),(5)-(6): $1.80 per $100 on premium/other charges for Kentucky risks; named government/nonprofit exceptions; multistate nonadmitted risks exempt. Accessed 2026-09-28.
  12. Surplus Lines. Kentucky Department of Insurance; Full page states licensed surplus-lines brokers must make a diligent effort to place with an admitted carrier before exporting coverage. 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. 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.
  19. 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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