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Last-mile delivery insurance in North Dakota

Chapter 26.1-40.2 requires liability insurance of at least $50,000 for one person, $100,000 for all persons injured, and $25,000 property damage during both the delivery-available period and the delivery-service period, plus uninsured, underinsured, and personal-injury-protection coverages. It does not set a higher limit once the delivery starts. The passenger-network chapter is different: application-on and engaged stages, before passengers are aboard, are also $50,000/$100,000/$25,000, and the passengers-on-board stage is $1 million. Bulletin 2020-4 says personal auto typically does not cover commercial use such as food delivery. 2,4

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 Dakota Requirements

RequirementDetails
Delivery available and delivery service$50,000 / $100,000 / $25,000, plus UM, UIM, and PIP 2
Passenger TNC, passengers on board$1 million, plus UM, UIM, and PIP 1

What to Watch for in North Dakota

  • Accepting a Delivery Does Not Raise the Limit

    Chapter 26.1-40.2 uses the same $50,000/$100,000/$25,000 liability floor in the delivery-available period and the delivery-service period. A quote that moves to $1 million when a grocery order is accepted is using the passenger chapter's passengers-on-board number, not the delivery chapter. 2

  • Passenger Coverage Has Three Stages

    In chapter 26.1-40.1, both the application-on stage and the engaged stage, after a ride is accepted but before passengers are aboard, stay at $50,000/$100,000/$25,000. The $1 million limit is the passengers-on-board stage. Do not start the $1 million at the moment of acceptance. 1

  • Personal Auto Typically Skips Food Delivery

    Insurance Department Bulletin 2020-4 says personal auto typically does not cover commercial use such as food delivery. The auto page also distinguishes carpooling, which most personal policies cover, from transporting people for hire. A delivery driver needs the chapter 26.1-40.2 policy, not a personal policy that stops at commercial use. 4,3

Who Regulates Insurance in North Dakota

North Dakota Insurance Department

The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms. 5,6,7

Surplus-lines tax and stamping office

Reported tax rate: 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds. 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 North Dakota

  1. Is the delivery quote at $50,000/$100,000/$25,000 in both periods, with UM, UIM, and PIP?
  2. If the driver also takes passengers, does $1 million wait until passengers are on board, as chapter 26.1-40.1 says?
  3. Does the personal policy exclude food delivery the way Bulletin 2020-4 describes?

Last-Mile Delivery in North Dakota: FAQ

Does North Dakota require $1 million once a delivery-network driver picks up an order? 2

No. Chapter 26.1-40.2 keeps $50,000/$100,000/$25,000 for both the delivery-available period and the delivery-service period. 2

Does a North Dakota personal auto policy typically cover food delivery? 4

No. Bulletin 2020-4 says personal auto typically does not cover commercial use such as food delivery. 4

Last-Mile Delivery in Other States

Other Coverage in North Dakota

Sources

  1. N.D.C.C. chapter 26.1-40.1. North Dakota Legislative Branch; 26.1-40.1-01, 26.1-40.1-03, 26.1-40.1-04. Accessed 2026-09-29.
  2. N.D.C.C. chapter 26.1-40.2 Delivery Networks. North Dakota Legislative Branch; 26.1-40.2-01 and 26.1-40.2-03. Accessed 2026-09-29.
  3. Auto. North Dakota Insurance Department; Transportation Network Company section. Accessed 2026-09-29.
  4. Bulletin 2020-4. North Dakota Insurance Department; opening paragraph. Accessed 2026-09-29.
  5. North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
  6. Print License / Search for an Agent. North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date. Accessed 2026-09-28.
  7. Complaints. North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form. Accessed 2026-09-28.
  8. Surplus Lines. North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status. Accessed 2026-09-28.
  9. N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance. North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements. Accessed 2026-09-28.
  10. Surplus Lines. North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds. 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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