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Last-mile delivery insurance in Texas

The Texas Department of Insurance says most personal auto policies do not cover accidents while you are driving for a ride-hailing service or delivering food or other items for a fee. Enrolled House Bill 4215, effective September 1, 2025, adds delivery network companies to Occupations Code Chapter 2402 and defines them as arranging delivery of food, beverages, or consumer goods, but it sets no automobile liability limit. Chapter 1954 of the Insurance Code, from House Bill 1733 effective January 1, 2016, still applies to transportation network companies: $50,000/$100,000/$25,000 before a prearranged ride and $1 million aggregate on the ride. 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.

Texas Requirements

RequirementDetails
Passenger TNC, logged on, not on a ride$50,000 / $100,000 / $25,000 4
Passenger TNC, prearranged ride$1 million aggregate 4

What to Watch for in Texas

  • Food Delivery for a Fee Sits Outside Most Personal Policies

    TDI's auto guide says most policies do not cover an accident while you are delivering food or other items for a fee, in the same sentence as ride-hailing. A personal policy is the wrong place to look for a grocery or restaurant route. Ask for the commercial or delivery form that does not use that exclusion. 1

  • The Delivery-Network Statute Sets No Auto Limit

    House Bill 4215 regulates delivery network companies and does not contain an insurance limit. Occupations Code § 2402.101 says the requirements of Insurance Code Chapter 1954 apply to transportation network companies and drivers, not to the delivery-network addition. Do not borrow the $1 million passenger-ride aggregate and call it the delivery minimum. 2,3

  • Chapter 1954 Is Still a Rider Chapter

    House Bill 1733 requires insurance that allows the driver to transport transportation network company riders for compensation. The logged-on minimum is $50,000/$100,000/$25,000 and the prearranged ride is a $1 million aggregate. Later bills that were opened did not change those limits. They still describe riders. 4,5

Who Regulates Insurance in Texas

Texas Department of Insurance

TDI licenses agents and insurers, reviews company rate filings, and investigates complaints against insurance companies and people it regulates. Its complaint page states limits on what it can resolve, including disputes outside its regulatory authority. 6,7,8

Surplus-lines tax and stamping office

Reported tax rate: 4.85% of gross premium plus 0.04% SLTX stamping fee When Texas is the insured’s home state, the state tax is 4.85% of gross premium; absent a compact allocation agreement, a multistate policy can be taxed on its entire premium. Policies effective on or after Jan. 1, 2024 also carry a 0.04% stamping fee; SLTX invoices the broker and says the insured pays it, and the surplus-lines insurer is not covered by the Texas guaranty association. 9,10,11

Surplus Lines Stamping Office of Texas

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 Texas

  1. Does the personal policy exclude delivering food or other items for a fee, as TDI describes?
  2. What auto limit are you using for a delivery network company, given that House Bill 4215 sets none?
  3. If the vehicle also carries riders, is the ride limit the $1 million aggregate from Chapter 1954?

Last-Mile Delivery in Texas: FAQ

Does a typical Texas personal auto policy cover delivering food for a fee? 1

No. The Texas Department of Insurance says most policies do not cover accidents while you are delivering food or other items for a fee. 1

What auto liability limit does Texas set for a delivery network company? 2

None in the statute that opened. House Bill 4215 regulates delivery network companies and does not set an automobile liability limit. 2

Last-Mile Delivery in Other States

Other Coverage in Texas

Sources

  1. Auto insurance guide. Texas Department of Insurance; What does my policy cover table. Accessed 2026-09-29.
  2. H.B. 4215 enrolled, delivery network companies. Texas Legislature; Occupations Code Chapter 2402; effective September 1, 2025; no insurance limits. Accessed 2026-09-29.
  3. Occupations Code Chapter 2402. Texas Constitution and Statutes; Sec. 2402.001 definitions; Sec. 2402.101 insurance required. Accessed 2026-09-29.
  4. H.B. 1733 enrolled, Insurance Code Chapter 1954. Texas Legislature; §§ 1954.052 and 1954.053; effective January 1, 2016. Accessed 2026-09-29.
  5. H.B. 2501 enrolled. Texas Legislature; amends §§ 1954.001(4) and 1954.002; does not change limits. Accessed 2026-09-29.
  6. texas insurance regulator. State insurance regulator; TDI regulator page outlines licensing, financial oversight, compliance/enforcement, and rate review. Accessed 2026-09-28.
  7. How to Find a Licensed Insurance Agent or Adjuster. State insurance regulator; TDI says search by agent name or license number and links to the state license search. Accessed 2026-09-28.
  8. Get Help with an Insurance Complaint. State insurance regulator; Direct complaint page explains covered entities, exclusions and online filing; Help Line 800-252-3439. Accessed 2026-09-28.
  9. Texas Insurance Code §§225.002–225.004. Texas Legislature; §225.002 limits chapter to Texas-home-state insured; §225.004(a) 4.85%; (a-1) NRRA home-state limitation; (c) entire premium where Texas is home state and no compact agreement. Accessed 2026-09-28.
  10. Stamping Fees & Taxes. Surplus Lines Stamping Office of Texas; Current policy-date table lists 0.04% for inception 1/1/2024 and after; stamping fee invoices go to brokers; site says fee is paid by insured. Accessed 2026-09-28.
  11. Texas Surplus Lines Companies. Texas Department of Insurance; TDI says surplus-lines insurers are not licensed in Texas and its guaranty association member; eligibility/disclaimer and broker financial-responsibility details. Accessed 2026-09-28.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  18. 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.
  19. 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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