Get Started

Last-mile delivery insurance in Oregon

The 2023 Oregon Revised Statutes text does not set separate liability dollar limits for a logged-on period and a prearranged ride. ORS 742.520 requires a transportation network company to provide a motor-vehicle liability policy with personal injury protection while the driver is providing passenger transportation, and ORS 742.524 lists medical expenses of not more than $15,000 among those PIP benefits. ORS 742.518 defines a private passenger motor vehicle as one not used as a public or livery conveyance, and it excludes utility and panel-type vehicles used for wholesale or retail delivery other than farming. 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.

Oregon Requirements

RequirementDetails
PIP medical expenses while providing passenger tripsNot more than $15,000 1

What to Watch for in Oregon

  • Do Not Import a 50/100/25 Liability Split

    Bills that printed $50,000/$100,000/$25,000 and $1 million transportation-network liability limits did not become that schedule. The enacted ORS sections that opened require a liability policy with personal injury protection during passenger transportation, and they state PIP medical expenses of not more than $15,000. Ask the broker for the liability limit in the form, because the statute text that opened does not set one. 1,2

  • Retail Delivery Is Outside the Private-Passenger Definition

    ORS 742.518(8) says a private passenger motor vehicle is not a public or livery conveyance, and it treats certain utility, pickup, sedan-delivery, and panel trucks as private passenger vehicles only when they are not used for wholesale or retail delivery other than farming. A grocery or parcel route can fall outside that definition. Do not assume a personal-auto PIP grant covers the delivery. 1

  • The PIP Duty Is Passenger Transportation

    ORS 742.518(12) defines a transportation network company as a digital application whose express purpose is to connect a prospective passenger with a driver. The PIP duty covers the driver, passengers, and pedestrians struck by the vehicle while the driver is providing those passenger services. It is not a food-delivery insurance requirement. 1

Who Regulates Insurance in Oregon

Oregon Division of Financial Regulation

DFR handles complaints about most insurance lines and provides Oregon license checks for agents, agencies, and insurers. You can use its consumer complaint form if an insurer or agent is not following Oregon law or rules. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 2% of Oregon-home-state gross premiums, plus 0.3% on premium or fees for fire marshal For Oregon-home-state risks, the surplus-lines licensee must collect a 2% tax on gross premiums and a 0.3% fire-marshal tax on premium or fees, in addition to the premium. Oregon requires the policy to warn that losses will not be paid by the state guaranty fund; the exempt-commercial-purchaser search exception requires admitted-market disclosure and a written request. 6,7,8,9

Surplus Line Association of Oregon

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 Oregon

  1. What liability limit is on the form, given that the opened ORS text does not set a logged-on versus on-trip split?
  2. Does the policy provide the personal injury protection ORS 742.520 requires during passenger transportation, including medical expenses up to $15,000?
  3. Is the vehicle used for wholesale or retail delivery, which ORS 742.518(8) keeps out of the private-passenger definition?

Last-Mile Delivery in Oregon: FAQ

Does Oregon statute set a $50,000/$100,000/$25,000 transportation-network liability minimum? 1,2

No. The enacted ORS text that opened does not state that split. Bills that printed it were not treated as law. 1,2

Does Oregon's private-passenger definition include a vehicle used for retail delivery? 1

No. ORS 742.518(8) excludes wholesale or retail delivery, other than farming, from the utility and panel vehicles it otherwise treats as private passenger vehicles. 1

Last-Mile Delivery in Other States

Other Coverage in Oregon

Sources

  1. Oregon Revised Statutes, Chapter 742, 2023 Edition. Oregon Legislative Assembly; ORS 742.518(8) and (12); 742.520(1); 742.524(1). Accessed 2026-09-29.
  2. HB 2995 (2015) measure overview. Oregon Legislative Information System; Current Location: In House Committee; no chapter number. Accessed 2026-09-29.
  3. oregon insurance regulator. State insurance regulator; DFR homepage identifies consumer, licensing, and complaint services. Accessed 2026-09-28.
  4. DFR Check a License. State insurance regulator; Insurance industry section links Oregon agent, agency, and company license-status search in NAIC SBS. Accessed 2026-09-28.
  5. DFR File a Complaint. State insurance regulator; Online insurance complaint form; DFR says it can review whether a company or agent follows Oregon law and rules. Accessed 2026-09-28.
  6. Oregon Revised Statutes §735.470. Oregon Legislature; Subsections (1)(a)–(c), (4): 2% on Oregon-home-state gross premiums plus 0.3% of premium or fees for fire marshal; licensee collects taxes in addition to premium. Accessed 2026-09-28.
  7. Oregon Revised Statutes §§735.405, 735.410, 735.470. Oregon Legislature; ORS 735.470(1)(a) taxes Oregon-home-state risks; ORS 735.418 authorizes interstate allocation procedures. Accessed 2026-09-28.
  8. Surplus Lines Insurance. Oregon Division of Financial Regulation; Page states surplus-lines insurance through a nonlicensed insurer is not protected by the Oregon Insurance Guaranty Association. Accessed 2026-09-28.
  9. Oregon Revised Statutes §§735.405, 735.410 and 735.415. Oregon Legislature; 2025 Edition online text: §§735.405(6), 735.410(1)–(2), 735.415(1)(b)–(2); current chapter text includes the ECP definition, diligence rule, disclosure/written-request exception, and policy warning against guaranty fund coverage. 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. 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.
  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.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot