What Last-Mile Delivery Insurance Requirements Apply in South Carolina?

Article 16 of Title 58, Chapter 23, requires primary automobile liability of at least $50,000 per person, $100,000 per incident, and $50,000 property damage while a driver is logged on and not on a prearranged ride, and at least $1 million on a prearranged ride. The article covers transporting riders. The Department of Insurance's July 2014 ride-share alert says most standard personal auto policies exclude livery, generally meaning driving for hire, and it quotes an exclusion for liability arising out of carrying persons 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.

South Carolina Last-Mile Delivery Insurance Requirements

Requirement	Details
Logged on, not on a prearranged ride	$50,000 / $100,000 bodily injury and $50,000 property damage ¹
Prearranged ride	$1 million ¹

What to Watch for With Last-Mile Delivery in South Carolina

Logged-On Property Damage Is $50,000
Section 58-23-1630 sets property damage at $50,000 in the logged-on period, not $25,000. A quote that copies another state's $25,000 property figure is short before the ride starts. The $1 million limit is the prearranged ride, for death, bodily injury, and property damage. ¹
The Department Quotes a Fee Exclusion
The July 2014 alert says most standard personal auto policies exclude livery, which it describes as driving for hire, and it quotes exclusion language for carrying persons for a fee. That exclusion can apply to the logged-on period, when the driver is available to transport riders. Read it before you assume the personal policy is the $50,000/$100,000/$50,000 layer. ²
The Coverage Recognizes Transporting Riders
The statute requires coverage that recognizes the driver uses a personal vehicle to transport riders for compensation. A goods delivery is not that rider trip. The Department's quoted exclusion is also about carrying persons for a fee, not about the cargo itself. ¹

Providers With South Carolina 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 South Carolina?

South Carolina Department of Insurance

The South Carolina Department of Insurance licenses and regulates insurance companies and producers and accepts complaints involving entities it licenses and policies incepted in South Carolina. Its consumer page links to the online complaint form and explains limits on the Department’s authority. ^3,^4,⁵

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

Surplus-Lines Tax and Stamping Office in South Carolina

Reported tax rate. 6% blended broker premium tax: 4% state plus 2% municipal ^6,⁷

SCDOI’s January 2026 instructions set a 6% blended surplus-lines broker premium tax: 4% state and 2% municipal; the Department collects both and the Municipal Association of South Carolina allocates the municipal share. The filing system also asks brokers to identify one to three insurers that declined the indicated coverage; check the policy notice for any guaranty-association disclosure.

Questions to Ask Before You Buy Last-Mile Delivery in South Carolina

Is logged-on property damage at least $50,000, as Article 16 requires?
Does the personal policy contain the livery exclusion the Department quoted for carrying persons for a fee?
Is the $1 million limit a prearranged rider trip rather than a goods delivery?

Last-Mile Delivery Insurance in South Carolina: FAQ

What property-damage limit does South Carolina require before a prearranged transportation-network ride?

$50,000. Article 16 sets that amount with $50,000/$100,000 bodily injury while the driver is logged on and not on a prearranged ride. ¹

Do South Carolina personal auto policies usually cover driving for hire?

No. The Department of Insurance says most standard personal auto policies exclude livery, which it describes as driving for hire. ²

Sources for Last-Mile Delivery Insurance in South Carolina

1
Code of Laws, Title 58, Chapter 23, Article 16, Transportation Network Company Act. South Carolina Legislature; §§ 58-23-1610, 58-23-1625, 58-23-1630. Accessed 2026-09-29.
2
Important Information about Ride-Sharing. South Carolina Department of Insurance; July 2014 alert, personal-auto livery FAQ. Accessed 2026-09-29.
3
south-carolina insurance regulator. State insurance regulator; Official home and consumer services pages describe regulator scope. Accessed 2026-09-28.
4
SCDOI Online Services. State insurance regulator; General Public offers Licensee Lookup for licensed individuals and insurers. Accessed 2026-09-28.
5
SCDOI Consumer Services. State insurance regulator; Complaint process and stated authority covers licensed entities and policies incepted in SC; online complaint form is linked. Accessed 2026-09-28.
6
2026 Surplus Lines Filing Instructions. South Carolina Department of Insurance; Pages 1–2, January 26 2026 memo: 6% blended rate, 4% state plus 2% municipal; DOI collects both and MASC allocates municipal portion. Accessed 2026-09-28.
7
2026 Surplus Lines Filing Instructions. South Carolina Department of Insurance; Pages 1–2, Jan. 26, 2026 instructions: broker filing due-diligence field requires one to three named insurers declining the indicated coverage. 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
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.
14
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.