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Last-mile delivery insurance in North Carolina

G.S. 20-280.4 requires primary automobile liability of $50,000 per person, $100,000 per incident, and $25,000 property damage while a driver is logged on but not providing transportation-network service, and $1 million while providing that service. The article is passenger transportation. The Department of Insurance says the automobile policy contract does not cover liability for a vehicle used as a public or livery conveyance, including while the driver is logged into a transportation network company whether or not a passenger is in the vehicle. 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.

North Carolina Requirements

RequirementDetails
Logged on, not providing TNC service$50,000 / $100,000 / $25,000 1
While providing TNC service$1 million 1

What to Watch for in North Carolina

  • The Personal Policy Can Exclude an Empty Car

    The Department of Insurance says the personal auto contract does not cover public livery or conveyance, and it includes the time the driver is logged into a transportation network company even when no passenger is in the vehicle. The $50,000/$100,000/$25,000 statutory floor still has to be primary in that window. Ask which policy provides it. 2

  • Service Is the $1 Million Period

    G.S. 20-280.4 keeps the lower limit until the driver is providing transportation-network service, then requires $1 million. Do not wait for a passenger to sit down if the statute already treats the service period as begun. The article is about passengers, not packages. 1

  • Do Not Use the Livery Answer as a Cargo Limit

    The Department's answer is about liability from public livery, not about the value of goods in the car. A personal policy that excludes livery still does not pay for the cargo. Buy the passenger-network liability the statute requires, and buy cargo only if a shipper contract requires it. 2

Who Regulates Insurance in North Carolina

North Carolina Department of Insurance

The North Carolina Department of Insurance administers insurance laws, licenses insurance producers and companies, reviews insurance filings and handles consumer complaints. The Commissioner is elected statewide. 3,4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 5% of gross premium, less return premium, plus 0.4% NC Stamping Office fee for ordinary filed placements When North Carolina is the insured’s home state, surplus-lines tax is 5% of gross premium less return premium; ordinary broker-placed filings also carry a 0.4% stamping fee, while risk-purchasing-group and independent-procurement filings follow separate procedures. A diligent search is generally required; an exempt commercial purchaser may bypass it only after the broker discloses the admitted-market protection difference and receives the purchaser’s subsequent written request. The policy warns that the state guaranty or solvency fund will not pay surplus-lines losses. 7,8,9,10

North Carolina Surplus Lines Association / NC Stamping Office

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 North Carolina

  1. Does the personal policy exclude logged-on time even with no passenger in the vehicle, as the Department describes?
  2. Which policy is primary at $50,000/$100,000/$25,000 before TNC service begins?
  3. Is the $1 million limit tied to passenger service under G.S. 20-280.4, rather than to a parcel route?

Last-Mile Delivery in North Carolina: FAQ

Does a North Carolina personal auto policy cover a driver who is logged into a transportation network company with no passenger aboard? 2

No. The Department of Insurance says the policy does not cover public livery, including while logged into a transportation network company whether or not a passenger is in the vehicle. 2

What limit does North Carolina require while a driver is providing transportation-network service? 1

$1 million. G.S. 20-280.4 sets that primary automobile liability during TNC service. 1

Last-Mile Delivery in Other States

Other Coverage in North Carolina

Sources

  1. Chapter 20, Article 10A, Transportation Network Companies. North Carolina General Assembly; G.S. 20-280.1 and G.S. 20-280.4. Accessed 2026-09-29.
  2. FAQs About Auto Insurance. North Carolina Department of Insurance; TNC / public livery question. Accessed 2026-09-29.
  3. North Carolina Department of Insurance. North Carolina Department of Insurance; Official department homepage. Accessed 2026-09-28.
  4. Insurance Producer and Adjuster Licensing. North Carolina Department of Insurance; Official licensing landing page provides license status lookup, producer licensing and SBS resources. Accessed 2026-09-28.
  5. File a Complaint. North Carolina Department of Insurance; Official insurance complaint form and consumer assistance page; toll-free line 855-408-1212. Accessed 2026-09-28.
  6. Commissioner of Insurance. North Carolina Department of Insurance; Official commissioner biography says officeholder was elected statewide. Accessed 2026-09-28.
  7. N.C. Gen. Stat. §58-21-85. North Carolina General Assembly; 5% tax on gross premiums less returns when insured’s home state is North Carolina; treatment of reciprocal allocation also provided. Accessed 2026-09-28.
  8. Surplus Lines. North Carolina Department of Insurance; Current DOI surplus-lines page identifies NC Stamping Office; states a 0.4% fee for ordinary new/renewal filings; excludes RRG and independent procurement. Accessed 2026-09-28.
  9. N.C. Gen. Stat. §58-21-16. North Carolina General Assembly; ECP diligent-search waiver requires broker disclosure that admitted insurance may provide greater protection and purchaser subsequent written request; ECP definition appears in subsection (b). Accessed 2026-09-28.
  10. Surplus Lines. North Carolina Department of Insurance; Required surplus-lines policy language says state guaranty or solvency fund will not pay losses on policy. 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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