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Last-mile delivery insurance in New Jersey

P.L. 2017, c. 26 requires $50,000/$100,000/$25,000 while a driver is logged on and not providing a prearranged ride, plus personal injury protection and uninsured/underinsured motorist coverage. On a prearranged ride the primary limit is $1.5 million, with at least $10,000 medical payments for the driver and $1.5 million uninsured/underinsured motorist coverage. The same act says a transportation network company or driver shall not provide freight service except as otherwise authorized. The Department of Banking and Insurance said in 2014 that personal auto policies typically exclude public or livery use. 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.

New Jersey Requirements

RequirementDetails
Logged on, not on a prearranged ride$50,000 / $100,000 / $25,000, plus PIP and UM/UIM 1
Prearranged ride$1.5 million liability, $10,000 driver medical payments, $1.5 million UM/UIM 1

What to Watch for in New Jersey

  • The Act Bars Freight Unless Another Law Allows It

    Section 3 of the enacted chapter says a transportation network company or driver shall not provide freight service except as authorized by applicable law. A parcel or restaurant delivery is not the prearranged rider trip the $1.5 million limit covers. Do not use the TNC policy as a freight filing unless a separate authorization puts that delivery inside a permitted service. 1

  • The Ride Is $1.5 Million, Plus Medical Payments

    The on-ride duty is not a flat $1 million. It is $1.5 million for death, bodily injury, and property damage, at least $10,000 medical-payments benefits for the driver only, and $1.5 million uninsured/underinsured motorist coverage. A quote missing the driver medical-payments benefit is short of the chapter. 1

  • Personal Policies Typically Exclude Livery

    The Department of Banking and Insurance's 2014 release says personal auto policies typically exclude public or livery use. The logged-on period can be that use. If the personal policy excludes it, the company policy has to carry the $50,000/$100,000/$25,000 primary limit and the PIP and UM/UIM the statute adds. 2

Who Regulates Insurance in New Jersey

New Jersey Department of Banking and Insurance

New Jersey DOBI licenses insurers and producers, reviews insurance products and rates, monitors insurer solvency and responds to insurance complaints. The Property and Casualty unit regulates commercial and personal property and casualty rates, rules and forms. 3,4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 5% of gross premium, less return premium New Jersey’s Department of Banking and Insurance states a 5% surplus-lines tax for policies effective on or after July 1, 2009; its FAQ also describes direct-procurement tax filing for premium allocated to New Jersey. A New Jersey surplus-lines producer generally must make a diligent effort to place the risk with authorized insurers, subject to the exportable-list and other statutory exceptions. New Jersey’s separate surplus-lines guaranty fund has narrow coverage; ordinary commercial surplus-lines claims are generally outside guaranty protection. 7,8,9

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 New Jersey

  1. Does the on-ride quote include $1.5 million liability, $10,000 medical payments for the driver, and $1.5 million UM/UIM?
  2. Is any freight service separately authorized, given the act's ban on freight except as otherwise authorized?
  3. Does the personal policy exclude public or livery use?

Last-Mile Delivery in New Jersey: FAQ

Can a New Jersey transportation network company use its ride insurance for freight? 1

No, unless another law authorizes it. The 2017 act says a transportation network company or driver shall not provide freight service except as otherwise authorized. 1

What limit does New Jersey require during a prearranged ride? 1

$1.5 million. The act also requires at least $10,000 medical payments for the driver and $1.5 million uninsured/underinsured motorist coverage. 1

Last-Mile Delivery in Other States

Other Coverage in New Jersey

Sources

  1. P.L. 2017, c.26 (A3695). New Jersey Legislature; sections 2, 3, 10, 12, and 28; C.39:5H-10 and C.39:5H-12. Accessed 2026-09-29.
  2. Alerts Consumers on Car-Sharing Services. New Jersey Department of Banking and Insurance; livery / public-conveyance paragraph and consumer tips. Accessed 2026-09-29.
  3. New Jersey Department of Banking and Insurance. New Jersey Department of Banking and Insurance; Official regulator homepage. Accessed 2026-09-28.
  4. Division of Insurance. New Jersey Department of Banking and Insurance; States that Division issues insurer/producer licenses, reviews products and rates, monitors solvency and responds to consumer concerns. Accessed 2026-09-28.
  5. Insurance Licensing and Education. New Jersey Department of Banking and Insurance; Official producer licensing page links to NJDOBI Licensee Search and SBS Licensee Search. Accessed 2026-09-28.
  6. Consumer Information. New Jersey Department of Banking and Insurance; Official consumer assistance/complaints destination; DOBI hotline 800-446-7467. Accessed 2026-09-28.
  7. Surplus Lines FAQs. New Jersey Department of Banking and Insurance; Current DOBI FAQ states 5% on policies effective on/after July 1, 2009 and identifies direct-procurement filing when NJ receives an out-of-state surplus-lines premium allocation. Accessed 2026-09-28.
  8. N.J.A.C. 11:1-33.3, Surplus Lines Procurement Requirements. New Jersey Department of Banking and Insurance; Rule requires diligent effort to place with authorized insurer except coverages on Exportable List. Accessed 2026-09-28.
  9. Surplus Lines Tax Q&A. New Jersey Department of Banking and Insurance; DOBI FAQ states Surplus Lines Guaranty Fund covers medical malpractice liability and property covering owner-occupied dwellings under four units; this is narrow and not ordinary business coverage. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  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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