--- title: "Last-mile delivery insurance in Virginia" description: "Virginia's $1 million transportation-network limit starts when the driver accepts a passenger request, not when the passenger boards." canonical: "https://spot.insure/coverage/last-mile-delivery/virginia" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/last-mile-delivery/virginia) # Last-mile delivery insurance in Virginia Section 46.2-2099.52 requires primary liability of $50,000 per person, $100,000 per incident, and $25,000 property damage from log-on until the partner accepts a request to transport a passenger, and again after the trip ends. From acceptance until the transaction or the ride is complete, whichever is later, primary liability is $1 million. The DMV insurance page restates those figures. The section is passenger transportation. It does not set a goods-delivery minimum.[^1][^2] **Coverage:** [Last-mile delivery](/coverage/last-mile-delivery) · [Virginia](/coverage/states/virginia) ## 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](/coverage/last-mile-delivery). ## Virginia Requirements | Requirement | Details | | --- | --- | | Logged on, before a passenger request is accepted | $50,000 / $100,000 / $25,000[^1] | | From acceptance through the ride | $1 million[^1] | ## What to Watch for in Virginia ### Acceptance Starts the $1 Million Period The $1 million duty begins when the partner accepts a prearranged ride request, and it lasts until the transaction or the ride is complete, whichever is later. It does not wait for the passenger to get in the car, and it does not end at the curb if the transaction is still open. The DMV page restates the same two figures.[^1][^2] ### The Lower Limit Returns Only After the Trip After the trip ends, and until the next acceptance or logoff, the statute returns to $50,000/$100,000/$25,000. A driver who stays logged on between passengers is back in that lower period. Do not leave a gap if the personal policy excludes the logged-on use.[^1] ### The Request Is to Transport a Passenger Both the statute and the DMV page describe a request to transport a passenger. A goods delivery is not that request, so the $1 million acceptance trigger is not a parcel minimum. The property-carrier weight schedule is a different statute and is not this section.[^2] ## Who Regulates Insurance in Virginia **Virginia State Corporation Commission, Bureau of Insurance.** The Virginia State Corporation Commission, Bureau of Insurance administers Virginia insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals.[^3][^4][^5] - [Regulator website](https://www.scc.virginia.gov/pages/Insurance) - [License lookup](https://nipr.com/licensing-center) - [File a complaint](https://content.naic.org/state-insurance-departments) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 2.25% of premium plus up to 0.1% Bureau Special Fund assessment The NAIC's state chart lists a 2.25% of premium plus up to 0.1% Bureau Special Fund assessment charge for surplus-lines coverage for Virginia (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.[^6][^7] ## 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](https://nipr.com/licensing-center) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Virginia 1. Does the $1 million limit start at acceptance of a passenger request and last until the transaction or the ride is complete, whichever is later? 2. What limit applies while the driver stays logged on between passengers? 3. Is this a passenger request, or a goods delivery the DMV page does not describe? ## Last-Mile Delivery in Virginia: FAQ ### When does Virginia's $1 million transportation-network limit start? When the partner accepts a request to transport a passenger. Section 46.2-2099.52 keeps $50,000/$100,000/$25,000 only until that acceptance.[^1] ### Does Virginia DMV restate the transportation-network insurance figures? Yes. The DMV TNC insurance page restates the $1 million ride limit and the $50,000/$100,000/$25,000 logged-on limit.[^2] ## Last-Mile Delivery in Other States - [Alabama](/coverage/last-mile-delivery/alabama) - [Alaska](/coverage/last-mile-delivery/alaska) - [Arizona](/coverage/last-mile-delivery/arizona) - [Arkansas](/coverage/last-mile-delivery/arkansas) - [California](/coverage/last-mile-delivery/california) - [Colorado](/coverage/last-mile-delivery/colorado) - [Connecticut](/coverage/last-mile-delivery/connecticut) - [Delaware](/coverage/last-mile-delivery/delaware) - [District of Columbia](/coverage/last-mile-delivery/district-of-columbia) - [Florida](/coverage/last-mile-delivery/florida) - [Georgia](/coverage/last-mile-delivery/georgia) - [Hawaii](/coverage/last-mile-delivery/hawaii) - [Idaho](/coverage/last-mile-delivery/idaho) - [Illinois](/coverage/last-mile-delivery/illinois) - [Indiana](/coverage/last-mile-delivery/indiana) - [Iowa](/coverage/last-mile-delivery/iowa) - [Kansas](/coverage/last-mile-delivery/kansas) - [Kentucky](/coverage/last-mile-delivery/kentucky) - [Louisiana](/coverage/last-mile-delivery/louisiana) - [Maine](/coverage/last-mile-delivery/maine) - [Maryland](/coverage/last-mile-delivery/maryland) - [Massachusetts](/coverage/last-mile-delivery/massachusetts) - [Michigan](/coverage/last-mile-delivery/michigan) - [Minnesota](/coverage/last-mile-delivery/minnesota) - [Mississippi](/coverage/last-mile-delivery/mississippi) - [Missouri](/coverage/last-mile-delivery/missouri) - [Montana](/coverage/last-mile-delivery/montana) - [Nebraska](/coverage/last-mile-delivery/nebraska) - [Nevada](/coverage/last-mile-delivery/nevada) - [New Hampshire](/coverage/last-mile-delivery/new-hampshire) - [New Jersey](/coverage/last-mile-delivery/new-jersey) - [New Mexico](/coverage/last-mile-delivery/new-mexico) - [New York](/coverage/last-mile-delivery/new-york) - [North Carolina](/coverage/last-mile-delivery/north-carolina) - [North Dakota](/coverage/last-mile-delivery/north-dakota) - [Ohio](/coverage/last-mile-delivery/ohio) - [Oklahoma](/coverage/last-mile-delivery/oklahoma) - [Oregon](/coverage/last-mile-delivery/oregon) - [Pennsylvania](/coverage/last-mile-delivery/pennsylvania) - [Rhode Island](/coverage/last-mile-delivery/rhode-island) - [South Carolina](/coverage/last-mile-delivery/south-carolina) - [South Dakota](/coverage/last-mile-delivery/south-dakota) - [Tennessee](/coverage/last-mile-delivery/tennessee) - [Texas](/coverage/last-mile-delivery/texas) - [Utah](/coverage/last-mile-delivery/utah) - [Vermont](/coverage/last-mile-delivery/vermont) - [Washington](/coverage/last-mile-delivery/washington) - [West Virginia](/coverage/last-mile-delivery/west-virginia) - [Wisconsin](/coverage/last-mile-delivery/wisconsin) - [Wyoming](/coverage/last-mile-delivery/wyoming) [Other Coverage in Virginia](/coverage/states/virginia) ## Sources [^1]: [§ 46.2-2099.52. TNC insurance](https://law.lis.virginia.gov/vacode/title46.2/chapter20/section46.2-2099.52/) — Virginia Legislative Information System; subsections B and C. Accessed 2026-09-29. [^2]: [TNC Insurance Requirements](https://www.dmv.virginia.gov/businesses/tnc/insurance) — Virginia Department of Motor Vehicles; Opened. Restates the $1 million and $50,000/$100,000/$25,000 TNC requirements. It does not quote a personal-auto exclusion, so it is not used as the personal-auto source.. Accessed 2026-09-29. [^3]: [Virginia State Corporation Commission, Bureau of Insurance](https://www.scc.virginia.gov/pages/Insurance) — Virginia State Corporation Commission, Bureau of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28. [^4]: [Insurance Department Directory](https://content.naic.org/sites/default/files/publication-ins-ou-insurance-directory.pdf) — National Association of Insurance Commissioners; Virginia State Corporation Commission, Bureau of Insurance entry; official contact and website listing. Accessed 2026-09-28. [^5]: [Licensing Center](https://nipr.com/licensing-center) — National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28. [^6]: [Surplus Lines Insurance Premium Taxes](https://content.naic.org/sites/default/files/model-law-chart-zz-7-surplus-lines-insurance-premium-taxes.pdf) — National Association of Insurance Commissioners; VA row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28. [^7]: [Guaranty Associations & Funds](https://content.naic.org/cipr-topics/guaranty-associationsfunds) — National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28. [^8]: [Licenses](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/last-mile-delivery/virginia.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)