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Last-mile delivery insurance in Maryland

Public Utilities § 10-405 requires security of at least $50,000 for bodily injury or death of one person, $100,000 for two or more persons, and $25,000 for property of others while providing transportation network services. The same amounts apply in period one, when the driver is logged on and ready, and in periods two and three, from acceptance through the passenger's departure. Section 10-101 defines those services as connecting and transporting passengers. The Maryland Insurance Administration says most automobile policies do not cover a driver who accepts payment to drive others. 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.

Maryland Requirements

RequirementDetails
All three passenger-network periods$50,000 / $100,000 bodily injury and $25,000 property damage 1

What to Watch for in Maryland

  • Acceptance Does Not Raise the Limit

    Unlike statutes that move to $1 million when a ride starts, § 10-405 keeps $50,000/$100,000/$25,000 through the logged-on period and through the ride. A quote that only becomes serious after acceptance is adding a structure the Maryland section does not use. The section also requires the uninsured-motorist and personal-injury-protection coverages in Insurance §§ 19-509 and 19-505. 1

  • The Three Periods Are Passenger Periods

    Section 10-101 defines transportation network services as connecting and transporting passengers. A goods delivery is not one of the three periods. Do not file a parcel route on the passenger security amount and call it compliant with § 10-405. 2

  • Paid Driving Sits Outside Most Auto Policies

    The Insurance Administration's ridesharing page says most automobile policies do not provide coverage when a driver accepts payment to drive others, and that this is different from carpooling. It says you typically need a commercial policy. Read that against the personal policy before a driver goes available on an app. 3

Who Regulates Insurance in Maryland

Maryland Insurance Administration

The Maryland Insurance Administration licenses producers and insurers, reviews rates and forms, and investigates complaints about insurance companies and producers. You can use its state lookup or complaint service to check a license or raise an insurance issue. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross premiums less returned premiums when Maryland is the insured's home state; excludes risks of Maryland and its political subdivisions When Maryland is the insured's home state, the tax is 3% of gross premiums less returned premiums, except insurance of risks of the State or a political subdivision. For policies effective on or after July 21, 2011, Maryland taxes the entire premium and the broker must charge the tax in addition to premium. Maryland's property and casualty guaranty corporation excludes surplus-lines policies. 7,8

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 Maryland

  1. Does the quote stay at $50,000/$100,000/$25,000 for all three periods, rather than jumping at acceptance?
  2. Are the uninsured-motorist and personal-injury-protection coverages required by §§ 19-509 and 19-505 on the policy?
  3. Does the personal policy exclude accepting payment to drive others, as the Insurance Administration describes?

Last-Mile Delivery in Maryland: FAQ

Does Maryland require $1 million once a transportation-network ride is accepted? 1

No. Public Utilities § 10-405 uses $50,000/$100,000 bodily injury and $25,000 property damage for the logged-on period and for the ride. 1

Does the Maryland Insurance Administration say most auto policies cover paid driving? 3

No. It says most automobile policies do not cover a driver who accepts payment to drive others, and that a commercial policy is typically what provides that coverage. 3

Last-Mile Delivery in Other States

Other Coverage in Maryland

Sources

  1. Public Utilities § 10-405. Maryland General Assembly; § 10-405(a). Accessed 2026-09-29.
  2. Public Utilities § 10-101. Maryland General Assembly; § 10-101(l)-(n). Accessed 2026-09-29.
  3. What Drivers Need to Know about Ridesharing. Maryland Insurance Administration; consumer page. Accessed 2026-09-29.
  4. Maryland Insurance Administration. Maryland Insurance Administration; Homepage and consumer contact. Accessed 2026-09-28.
  5. Insurance License Lookup. Maryland Insurance Administration; State-designated producer/company search. Accessed 2026-09-28.
  6. File an Insurance Complaint. Maryland Insurance Administration; State complaint process and contact. Accessed 2026-09-28.
  7. Md. Code, Insurance §3-324. Maryland General Assembly; Insurance §3-324(a)-(b), (d)-(f): government-risk exclusion; 3% of gross premiums less returns; entire-premium home-state basis from July 21, 2011, with tax charged in addition. Accessed 2026-09-28.
  8. Maryland Insurance Article (2026). Maryland General Assembly; Insurance §9-303(5), (7): surplus-lines and unauthorized insurers excluded from property and casualty guaranty subtitle; 2026 Insurance Article PDF. 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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