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Last-mile delivery insurance in Ohio

Ohio Revised Code section 3942.02, effective March 23, 2016, requires at least $50,000 for one person, $100,000 for two or more, and $25,000 property damage while a driver is logged on and not engaged in transportation network company services. While engaged, the primary limit is at least $1 million. Section 3942.01 starts those services when the driver accepts a rider's request and ends them when the last requesting rider leaves the personal vehicle. The opened sections describe a rider trip, not delivery of goods. 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.

Ohio Requirements

RequirementDetails
Logged on, not in TNC services$50,000 / $100,000 / $25,000 1
Engaged in TNC services$1 million 1

What to Watch for in Ohio

  • The $1 Million Period Starts at Acceptance

    Section 3942.01 defines transportation network company services as beginning when the driver accepts the rider's request, not when the rider sits down. The $1 million duty in section 3942.02 runs through transport and ends when the last rider departs. A quote that stays at $50,000/$100,000/$25,000 during the drive to the pickup is short of the engaged period. 2,1

  • The Split Has Been in Force Since March 23, 2016

    Section 3942.02 took effect March 23, 2016. A policy issued for an Ohio driver still has to show the logged-on floor and the $1 million engaged limit. There is no separate delivery-network dollar schedule in the sections that opened. 1

  • The Trip Is a Rider's Request

    The definition is a ride requested by a rider and transportation of that rider. Accepting a restaurant or parcel order is not that request. Do not price a goods route on the $1 million rider-services limit. 2

Who Regulates Insurance in Ohio

Ohio Department of Insurance

ODI licenses insurance agents and agencies and provides a public agent and company locator. Its consumer complaint form accepts insurance complaints and lets you identify an agent or company. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 5% of gross premium, net of return premiums For Ohio-home-state surplus-lines placements, Ohio sets a 5% tax on gross premiums after returned premiums and requires the surplus-lines broker to collect it when the policy is delivered. A diligent search usually applies; a qualifying exempt commercial purchaser may request nonadmitted placement in writing after disclosure that authorized-market coverage may offer greater protection, and the policy requires a signed notice of no Ohio guaranty-association benefits. 6,7,8

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 Ohio

  1. Does the $1 million limit start when the driver accepts the rider's request, as section 3942.01 defines the services?
  2. Is the logged-on, not-yet-engaged period still at $50,000/$100,000/$25,000?
  3. Is any goods delivery being quoted on this rider statute?

Last-Mile Delivery in Ohio: FAQ

When does Ohio's $1 million transportation-network limit start? 2,1

When the driver accepts the rider's request. Section 3942.01 starts the services at acceptance, and section 3942.02 sets $1 million while the driver is engaged in those services. 2,1

Does Ohio's transportation-network insurance section set a goods-delivery minimum? 2

No. Section 3942.01 defines the services as a rider's request and transportation of that rider. 2

Last-Mile Delivery in Other States

Other Coverage in Ohio

Sources

  1. Section 3942.02 | Insurance. Ohio Laws / Ohio Revised Code; division (A), effective March 23, 2016. Accessed 2026-09-29.
  2. Section 3942.01 | Definitions. Ohio Laws / Ohio Revised Code; divisions (F) through (I). Accessed 2026-09-29.
  3. ohio insurance regulator. State insurance regulator; Official regulator home page and consumer/industry navigation. Accessed 2026-09-28.
  4. Ohio Department of Insurance Agent / Agency Locator. State insurance regulator; Public search fields for agent and agency name, NPN, license number, city, ZIP, residency, and license type. Accessed 2026-09-28.
  5. Ohio Department of Insurance Consumer Complaints Form. State insurance regulator; Online complaint form collects insurer, coverage, agent, issue, and supporting documents; page warns submissions may be public records. Accessed 2026-09-28.
  6. Ohio Revised Code §3905.36. Ohio Laws; Division (B): 5% of gross premiums after return premiums; surplus-lines broker collects from insured at policy delivery. Accessed 2026-09-28.
  7. Ohio Revised Code §3905.38. Ohio Laws; Division A: Chapter 3905 rules do not apply when Ohio is not insured's home state. Accessed 2026-09-28.
  8. Ohio Revised Code §3905.33. Ohio Laws; Divisions (B)(1), (B)(4): five-market diligence and ECP disclosure/written request; division (C): signed notice of no Ohio Insurance Guaranty Association benefits. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  15. 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.
  16. 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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