What Last-Mile Delivery Insurance Requirements Apply in Oklahoma?

Enrolled House Bill 1614 requires primary automobile liability of $50,000 per person, $100,000 per incident, and $25,000 property damage while a driver is logged on and not on a prearranged ride, and $1 million on a prearranged ride. The act says it is effective July 1, 2015, and it also contains an emergency clause. The ride is a passenger trip. The Insurance Department tells drivers to ask their insurer first, because personal auto insurance typically excludes liability when a personal car transports people for a fee.

What Is Last-Mile Delivery Insurance?

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.

Oklahoma Last-Mile Delivery Insurance Requirements

Requirement	Details
Logged on, not on a prearranged ride	$50,000 / $100,000 / $25,000 ¹
Prearranged ride	$1 million ¹

What to Watch for With Last-Mile Delivery in Oklahoma

Read the July 1 Date and the Emergency Clause
House Bill 1614 states an effective date of July 1, 2015, and it also contains an emergency clause. Ask the broker which one controls the policy you are buying if a form still cites a later voluntary date. The limits themselves are the logged-on split and the $1 million ride. ¹
Ask the Insurer Before the Driver Signs Up
The Insurance Department's ride-sharing page says to talk to the insurance company before signing up as a ride-share driver. Personal auto insurance typically excludes liability when a personal car transports people for a fee. That exclusion can apply as soon as the use is paid passenger transportation, which is the logged-on period. ²
The Exclusion the Department Describes Is People for a Fee
The Department's warning is about transporting people for a fee, matching a passenger ride. It is not a cargo limit for packages. A goods delivery is outside the enrolled act's passenger trip, so do not treat the $1 million ride limit as a parcel minimum. ^2,¹

Which Last-Mile Delivery Providers Have Oklahoma License Records?

No provider in our research has both a state license record and a listing for 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.

Who Regulates Insurance in Oklahoma?

Oklahoma Insurance Department

OID's Licensing Division oversees new and renewed producer, adjuster, and business-entity licenses. Its consumer assistance process takes insurance complaints and requests for help; the licensee lookup displays license status and expiration. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Oklahoma

Reported tax rate. 6% of premium and fees, plus 0.175% SLAS transaction fee ^6,^7,⁸

For Oklahoma-home-state placements, OID says the 6% surplus-lines tax base includes premium and fees; SLIP also bills a 0.175% SLAS transaction fee. Oklahoma law requires a policy notice that surplus-lines coverage has no guaranty-association protection, so ask your broker to itemize the tax and transaction fee.

Questions to Ask Before You Buy Last-Mile Delivery in Oklahoma

Does the personal policy exclude transporting people for a fee, as the Insurance Department describes?
Which effective-date language in House Bill 1614 is the one on this policy, July 1, 2015 or the emergency clause?
Is the $1 million limit a prearranged passenger ride rather than a goods delivery?

Last-Mile Delivery Insurance in Oklahoma: Frequently Asked Questions

Does Oklahoma personal auto insurance typically cover transporting people for a fee?

No. The Insurance Department says personal auto insurance typically excludes that liability and tells drivers to ask the insurer before signing up. ²

What limit does Oklahoma require during a prearranged transportation-network ride?

$1 million. Enrolled House Bill 1614 sets that primary limit, with $50,000/$100,000/$25,000 before the ride. ¹

Sources for Last-Mile Delivery Insurance in Oklahoma

1
Enrolled HB 1614 (2015). Oklahoma Legislature; definitions; insurance section; sections 22 and 23. Accessed 2026-09-29.
2
Sharing for the Summer? Know Your Insurance Risks. Oklahoma Insurance Department; Ride Sharing, ask-your-insurer bullet. Accessed 2026-09-29.
3
oklahoma insurance regulator. State insurance regulator; OID identifies its licensing division's licensing and education responsibilities and consumer-assistance links. Accessed 2026-09-28.
4
OID Licensee Look Up. State insurance regulator; Instructions: choose Oklahoma, LICENSEE, and individual or business entity; search status, expiration, appointments, and license details. Accessed 2026-09-28.
5
OID File an Online Complaint. State insurance regulator; Official online Request for Assistance/complaint filing instructions and submission form. Accessed 2026-09-28.
6
Financial FAQs. Oklahoma Insurance Department; Current OID FAQ states the surplus-lines tax is 6% of premium plus policy fees; quarterly remittance. Accessed 2026-09-28.
7
Bulletin No. 12-2023. Oklahoma Insurance Department; For policies and endorsements effective on or after Jan. 1, 2024: 6% surplus-lines tax plus 0.175% SLAS transaction fee, paid through SLIP. Accessed 2026-09-28.
8
Oklahoma Statutes, Title 36 §1109. Oklahoma Senate; Policy must carry bold declaration-page notice that surplus-lines contracts are not subject to any guaranty association protection in liquidation or receivership. 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
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.