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Last-mile delivery insurance in Nevada

NRS 690B.470 requires at least $50,000/$100,000/$25,000 while a driver is logged in and not otherwise providing transportation services, and at least $1 million while providing those services. NRS 706A.060 defines transportation services as carrying passengers from acceptance until the last passenger gets out. The Division of Insurance FAQ, revised January 2020, still describes $1.5 million for the on-trip phases and says many personal auto policies exclude transportation-network activity from the moment of log-on. Use the statute for the dollar limit. 1,3

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.

Nevada Requirements

RequirementDetails
Logged in, not providing transportation services$50,000 / $100,000 / $25,000 1
While providing transportation services$1 million 1

What to Watch for in Nevada

  • Do Not Bind the Older $1.5 Million FAQ Figure

    The Division's FAQ revised in January 2020 still says $1.5 million for the on-trip phases. NRS 690B.470, including its 2025 amendment note, states $1 million while transportation services are being provided. Ask the broker to match the quote to the statute, not to the older FAQ dollar. 1,3

  • Personal Coverage Can Stop at Log-On

    The same FAQ says many personal auto policies exclude any transportation-network activity, and that a personal policy generally stops providing coverage from log-on until log-off. The $50,000/$100,000/$25,000 statutory floor still has to be in force in that window, from the company policy if the personal policy has stepped out. 3

  • Transportation Services Means Passengers

    NRS 706A.060 defines the service as carrying one or more passengers between points the passenger chooses, from acceptance until the last passenger fully disembarks. A goods delivery is not that service. The $1 million statute limit is not a parcel minimum. 2

Who Regulates Insurance in Nevada

Nevada Division of Insurance

The Nevada Division of Insurance regulates insurers and producers and provides a license verification tool for agents, agencies and companies. Its Consumer Services unit accepts insurance complaints and questions. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: Same tax rate as admitted coverage of the same kind; an approved filing fee may also apply When Nevada is the insured’s home state, Nevada taxes surplus-lines coverage at the rate imposed on similar admitted coverage and adds any approved filing fee; the rate therefore depends on the line and applicable fee approval. Nevada law requires a diligent effort to place coverage with authorized insurers except where the statutory exempt-commercial-purchaser conditions apply, and the policy must warn that the Nevada Insurance Guaranty Association will not cover the contract. 7,8,9,10

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 Nevada

  1. Is the on-trip limit $1 million under NRS 690B.470, rather than the $1.5 million figure in the January 2020 FAQ?
  2. Does the personal policy exclude coverage from log-on until log-off, as the Division describes?
  3. Is the trip carrying passengers under NRS 706A.060, or delivering goods outside that definition?

Last-Mile Delivery in Nevada: FAQ

Is Nevada's on-trip transportation-network limit $1.5 million? 1,3

No. NRS 690B.470 states $1 million while transportation services are provided. The Division FAQ revised in January 2020 still prints $1.5 million. 1,3

When can a Nevada personal auto policy stop covering a transportation-network driver? 3

At log-on. The Division says many personal policies exclude the activity from the moment you log onto the app until you log off. 3

Last-Mile Delivery in Other States

Other Coverage in Nevada

Sources

  1. NRS 690B.470. Nevada Legislature; subsection 1; history A 2025, 10. Accessed 2026-09-29.
  2. NRS 706A.060. Nevada Legislature; transportation services. Accessed 2026-09-29.
  3. TNC and Insurance FAQ. Nevada Division of Insurance; revised January 2020. Accessed 2026-09-29.
  4. Nevada Division of Insurance. Nevada Division of Insurance; Official regulator homepage; current page describes insurance oversight and consumer services. Accessed 2026-09-28.
  5. Verify a License. Nevada Division of Insurance; Official Verify a License destination (redirects to di.nv.gov licensing search); regulator materials identify agent/company license verification there. Accessed 2026-09-28.
  6. File a Complaint. Nevada Division of Insurance; Official consumer complaint destination; Division Consumer Services handles insurance complaints; toll-free 888-872-3234. Accessed 2026-09-28.
  7. NRS Chapter 685A, Nonadmitted Insurance. Nevada Legislature; Current codification, revised April 15, 2026; §685A.130 diligent effort/exempt purchaser provisions; §685A.155 broker fees. Accessed 2026-09-28.
  8. NRS §685A.175. Nevada Legislature; Current codification says Nevada-home-state surplus-lines premium tax equals the rate on similar admitted coverage and includes fees imposed under §685A.075. Accessed 2026-09-28.
  9. NRS §§685A.032, 685A.130. Nevada Legislature; Defines exempt commercial purchaser and sets placement/search provisions; assess full statutory criteria before treating a placement as exempt. Accessed 2026-09-28.
  10. NRS §685A.090. Nevada Legislature; Mandated policy text says a claim under the nonadmitted contract is not covered by the Nevada Insurance Guaranty Association Act. 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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