What Last-Mile Delivery Insurance Requirements Apply in Rhode Island?

R.I. Gen. Laws § 39-14.2-14 requires primary automobile liability of $50,000 per person, $100,000 per incident, and $25,000 property damage while a driver is logged in and not providing prearranged rides, and $1.5 million while providing those rides. Uninsured and underinsured motorist coverage is required to the extent of § 27-7-2.1. Section 39-14.2-1 defines the ride as transportation of a TNC rider, ending when the last requesting rider leaves the personal vehicle. The insurance duty runs on or before 90 days after the chapter's effective date; the page that opened does not give that date as a calendar day.

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.

Rhode Island Last-Mile Delivery Insurance Requirements

Requirement	Details
Logged in, not providing prearranged rides	$50,000 / $100,000 / $25,000, plus UM/UIM ¹
Providing a prearranged ride	$1.5 million, plus UM/UIM ¹

What to Watch for With Last-Mile Delivery in Rhode Island

The Ride Is $1.5 Million
Section 39-14.2-14 does not stop at $1 million. Providing a prearranged ride requires at least $1.5 million for death, bodily injury, and property damage, plus uninsured and underinsured motorist coverage to the extent of § 27-7-2.1. A quote at $1 million is short of the providing-rides period. ¹
The Duty Is Tied to 90 Days After the Effective Date
The insurance section says coverage is required on or before 90 days after the chapter's effective date. The page that opened does not convert that into a calendar day. Ask the broker for that date rather than assuming the limits were optional in 2016. P.L. 2016, chapters 346 and 367, are the enacting notes on the section. ¹
The Ride Ends When the Last Rider Leaves
Section 39-14.2-1 continues the prearranged ride while the driver transports the requesting riders and ends it when the last requesting rider departs. The $1.5 million period is that ride, not a package drop. Goods delivery is not the rider definition. ²

Which Last-Mile Delivery Providers Have Rhode Island 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 Rhode Island?

Rhode Island Department of Business Regulation, Insurance Division

The DBR Insurance Division provides an online public verification service for producers, adjusters, surplus-lines brokers, and other licensees, and accepts insurance complaints online. Contact the Division for help determining whether it has authority over a particular policy or dispute. ^3,^4,⁵

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

Surplus-Lines Tax and Stamping Office in Rhode Island

Reported tax rate. 4% of net taxable premium; 2018 filing guide excludes listed broker, carrier and inspection fees ^6,⁷

Rhode Island’s 2024 return applies 4% to net taxable premium (gross premium less returned premium); its 2018 filing guide excludes broker, carrier, and inspection fees from the base. Confirm fee treatment with the Division of Taxation if your bill separates those charges, because no newer official fee-base guidance was located.

Questions to Ask Before You Buy Last-Mile Delivery in Rhode Island

Is the providing-rides limit $1.5 million, with UM/UIM to the extent of § 27-7-2.1?
What calendar date does the 90-day insurance duty run from?
Is the trip a TNC rider trip under § 39-14.2-1, or a goods delivery outside that definition?

Last-Mile Delivery Insurance in Rhode Island: FAQ

What limit does Rhode Island require while a transportation-network driver is providing a prearranged ride?

$1.5 million. Section 39-14.2-14 sets that primary automobile liability, plus uninsured and underinsured motorist coverage. ¹

Does Rhode Island’s transportation-network chapter set a goods-delivery minimum?

No. Section 39-14.2-1 defines the prearranged ride as transportation of a TNC rider. ²

Sources for Last-Mile Delivery Insurance in Rhode Island

1
§ 39-14.2-14. Rhode Island General Assembly; subsections (a) through (c). Accessed 2026-09-29.
2
§ 39-14.2-1 Definitions. Rhode Island General Assembly; subdivision (12). Accessed 2026-09-29.
3
rhode-island insurance regulator. State insurance regulator; DBR Insurance Division overview links to complaint, license lookup, statutes, and regulations. Accessed 2026-09-28.
4
DBR License Status Verification. State insurance regulator; Official page identifies online NAIC-partnered status checks for producers, adjusters, motor vehicle appraisers, surplus-lines brokers, and reinsurance intermediaries. Accessed 2026-09-28.
5
DBR Insurance Consumers. State insurance regulator; Official consumer page explains the division's regulated insurance lines and online complaint route. Accessed 2026-09-28.
6
2025 T-71A Surplus Line Broker Return of Gross Premiums. Rhode Island Division of Taxation; 2025 return, p. 1, lines 1–4: net taxable premium is gross premium less returned premiums; 4% tax; filing due April 1, 2026. Accessed 2026-09-28.
7
Guide to Tax Filings for Surplus Lines. Rhode Island Division of Taxation; 2018 Guide to tax filings, surplus-lines section: gross premium for tax purposes excludes carrier, broker, and inspection fees; no newer official fee-base instruction located as of 2026-09-28. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
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.
10
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.
11
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.
12
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.
13
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.