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Last-mile delivery insurance in Minnesota

Minn. Stat. § 65B.472 sets primary liability of $50,000 per person, $100,000 for two or more persons, and $30,000 property damage in period 1, when the driver is logged on and has not accepted a ride offer. In periods 2 and 3, proceeding to the pickup and transporting the rider, primary coverage is not less than $1.5 million, and the company must also maintain personal-injury reimbursement of not less than $1 million per incident at no cost to the driver. Section 181C.01 defines those periods around riders. The opened sections do not set a goods-delivery minimum. 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.

Minnesota Requirements

RequirementDetails
Period 1, logged on, no ride accepted$50,000 / $100,000 / $30,000 1
Periods 2 and 3$1.5 million primary liability, plus $1 million personal-injury reimbursement 1

What to Watch for in Minnesota

  • The Engaged Periods Are $1.5 Million

    Do not quote a $1 million ride limit into Minnesota. Section 65B.472 sets not less than $1.5 million for death, injury, or property damage in periods 2 and 3. Period 1 stays at $50,000/$100,000/$30,000 and is not the engaged-period number. 1

  • The Company Buys a Separate Driver Injury Policy

    During periods 2 and 3 the transportation network company must maintain, at no cost to the driver, personal-injury reimbursement of not less than $1 million per incident. That policy is not the liability limit and it is not cargo coverage. Ask to see it named on the quote. 1

  • The Period Definitions Follow a Rider

    Section 181C.01 builds periods 1, 2, and 3 around a ride offer and a rider. A parcel acceptance is not those periods. Using the $1.5 million figure for a grocery route applies a rider statute to a trip it does not define. 2

Who Regulates Insurance in Minnesota

Minnesota Department of Commerce

The Minnesota Department of Commerce regulates insurance companies and producers, reviews rates and forms, and investigates complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 3% of taxable gross premiums less return premiums, plus a 0.04% stamping fee on taxable premium when Minnesota is the insured's home state When Minnesota is the insured's home state, 3% tax applies to taxable gross premiums less return premiums; the separate 0.04% stamping fee on taxable premium is paid by you to the broker. Minnesota requires a policy warning that insolvency loss payment by a nonadmitted insurer is not guaranteed. A diligent search generally applies unless a Minnesota-licensed producer unaffiliated with the surplus-lines broker refers the risk, which the statute deems unavailable from a licensed insurer; an exempt commercial purchaser also has a separate written-request route after the required admitted-market disclosure. 6,9,7,8,10

Minnesota Surplus Lines Association

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 Minnesota

  1. Is primary liability at least $1.5 million in periods 2 and 3, not $1 million?
  2. Is the $1 million personal-injury reimbursement policy in force at no cost to the driver during those periods?
  3. Is the trip a rider offer under § 181C.01, or a goods delivery outside those periods?

Last-Mile Delivery in Minnesota: FAQ

What liability limit does Minnesota require after a transportation-network ride is accepted? 1

$1.5 million. Section 65B.472 sets that primary coverage for periods 2 and 3, and it adds a separate $1 million personal-injury policy. 1

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

No. Section 181C.01 defines the periods around a rider, and the insurance section does not add a goods-delivery limit. 2

Last-Mile Delivery in Other States

Other Coverage in Minnesota

Sources

  1. Minn. Stat. § 65B.472. Minnesota Office of the Revisor of Statutes; subd. 2(b)-(d); subd. 4; history 2015 c 48; 2024 c 127 art 17 s 1. Accessed 2026-09-29.
  2. Minn. Stat. § 181C.01. Minnesota Office of the Revisor of Statutes; subd. 4. Accessed 2026-09-29.
  3. Insurance. Insurance; Insurance regulator and consumer resources. Accessed 2026-09-28.
  4. Insurance License Lookup. Insurance; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Insurance; Insurance complaint topic; filing portal, complaints line, email contact. Accessed 2026-09-28.
  6. Minn. Stat. §297I.05. Minnesota Revisor of Statutes; 3% on gross premiums less return premiums when Minnesota is insured's home state; 100% taxable in Minnesota. Accessed 2026-09-28.
  7. Instructions for 2026 Semiannual Stamping Fee Report. Minnesota Surplus Lines Association; 2026 report p.1, lines 82–94: stamping fee rate .0004 (0.04%) of policy premium for transactions effective on or after October 1, 2016; current report linked from the association's 2026 site. Accessed 2026-09-28.
  8. Minn. Stat. §60A.207. Minnesota Revisor of Statutes; 2025 text, lines 250–255: policy notice states insurer is not otherwise licensed in Minnesota and insolvency loss payment is not guaranteed. Accessed 2026-09-28.
  9. Minn. Stat. §297I.01. Minnesota Revisor of Statutes; Definition of gross premiums for nonadmitted insurance includes fees, assessments and other consideration, with stamping fee and operating assessment exclusions. Accessed 2026-09-28.
  10. Minnesota Statutes 2025, §60A.201. Minnesota Revisor of Statutes; 2025 Minn. Stat. §60A.201 subd.1 (admitted-market restriction); subd.5 (ECP disclosure and subsequent written request); subd.6 (risk referred by unaffiliated Minnesota-licensed producer deemed unavailable). Amendments listed through 2025. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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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