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Last-mile delivery insurance in New York

The Department of Financial Services says Vehicle and Traffic Law Article 44-B, effective June 29, 2017, requires at least $75,000/$150,000/$25,000 while a driver is logged onto a transportation network company's digital network, plus uninsured-motorist and no-fault coverage. On a prearranged trip the requirement is at least $1.25 million for bodily injury and property damage, plus $1.25 million supplemental uninsured/underinsured motorist coverage and no-fault. A trip that originates in New York City is outside Article 44-B. The registration policy may exclude the logged-on period and the trip if it contains that exclusion. 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.

New York Requirements

RequirementDetails
Period 1, logged on$75,000 / $150,000 / $25,000, plus UM and no-fault 1
Period 2, prearranged trip$1.25 million liability and $1.25 million SUM, plus no-fault 1

What to Watch for in New York

  • A Pickup in New York City Is Outside the Article

    The Department says Article 44-B does not apply to a prearranged trip originating in New York City. A vehicle that picks up a passenger there, even through a digital network, has to meet other state and city rules. Dropping a passenger in the city is still inside the article if the pickup was outside the city. Do not use the 75/150/25 figure for a city-origin trip. 1

  • Black Cars and For-Hire Vehicles Are Not TNC Vehicles

    Article 44-B excludes livery vehicles, taxicabs, for-hire vehicles, limousines, black cars, and buses from the TNC-vehicle definition. Those vehicles stay under their own insurance rules. A goods delivery is not the passenger trip the article defines, and Article 44-B also does not require physical-damage coverage for the driver's own car. 1

  • The Registration Policy May Exclude the App

    The Department says the policy used to register the vehicle may exclude coverage, including no-fault, while the driver is logged on and during the trip, if the policy contains that exclusion. If that coverage lapses, the company's group policy must respond from the first dollar, and it may not include a liability deductible. Insurance Regulation 35-E states a $1,250,000 limit while the driver is engaged in a prearranged trip when the policy provides the Article 44-B liability coverage. 1,2

Who Regulates Insurance in New York

New York State Department of Financial Services

New York DFS supervises insurance companies and producers, administers insurance law and accepts consumer complaints about property and casualty policies, including commercial insurance. 3,4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3.6% of gross premium, less returned premium; ELANY stamping fee is 0.15% through 2026 and 0.17% for policies incepting on/after Jan. 1, 2027 When New York is the insured’s home state, excess-line tax is 3.6% of gross premium less returned premium. ELANY’s September 20, 2026 bulletin sets a 0.15% stamping fee through December 31, 2026 and 0.17% for policies incepting on or after January 1, 2027; statutory search requirements and guaranty-fund protection depend on the applicable New York excess-line rules. 7,8,9,10

Excess Line Association of New York

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 York

  1. Does the pickup originate outside New York City? Article 44-B does not apply to a trip that starts in the city.
  2. Is the vehicle a black car, livery, or other for-hire vehicle that the article excludes from the TNC definition?
  3. If the registration policy excludes logged-on use, does the group policy pay from the first dollar with no liability deductible?

Last-Mile Delivery in New York: FAQ

What liability limit does New York require while a transportation-network driver is only logged on? 1

$75,000/$150,000/$25,000. The Department of Financial Services attributes that Period 1 floor to Vehicle and Traffic Law Article 44-B, plus uninsured-motorist and no-fault coverage. 1

Does New York's transportation-network insurance article apply to a trip that starts in New York City? 1

No. The Department says Article 44-B does not apply to a prearranged trip originating in New York City. 1

Last-Mile Delivery in Other States

Other Coverage in New York

Sources

  1. FAQ: About Ride Sharing (Transportation Network Company Services). New York Department of Financial Services; introductory paragraph; questions 1, 3, 4, 7, 12, and 23. Accessed 2026-09-29.
  2. 11 NYCRR 60-3, Transportation Network Companies. New York Department of Financial Services; Insurance Regulation 35-E minimum provisions, including the $1,250,000 engaged-trip limit. Accessed 2026-09-29.
  3. New York State Department of Financial Services. New York State Department of Financial Services; Official regulator homepage. Accessed 2026-09-28.
  4. Who We Supervise. New York State Department of Financial Services; DFS describes insurance oversight and provides links to company and producer searches. Accessed 2026-09-28.
  5. Consumer Complaints. New York State Department of Financial Services; Official portal files insurance complaints for health, life and property/casualty insurance. Accessed 2026-09-28.
  6. New York Insurance Law §2118(d)(1). New York State Senate; Current statutory text: 3.6% of gross premiums less returned premium when New York is the insured’s home state. Accessed 2026-09-28.
  7. ELANY Bulletin 2026-20: Notice of Change in Stamping Fee. Excess Line Association of New York; September 20, 2026 bulletin: 0.17% applies to policies incepting from Jan. 1, 2027; endorsements on policies incepting Jan. 1, 2023–Dec. 31, 2026 retain 0.15%; excess-line tax remains 3.6%. Accessed 2026-09-28.
  8. New York Insurance Law §2118. New York State Senate; Excess-line broker duties and filing requirements; §2118(a) due care; exceptions should be applied only where statutory conditions are met. Accessed 2026-09-28.
  9. New York Insurance Law §2118. New York State Senate; Excess-line statutory duties and policies; source is used for placement context. No state-specific guaranty cap/note included. 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. 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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