What Last-Mile Delivery Insurance Requirements Apply in West Virginia?

The Delivery Network Company Insurance Act, § 33-63-3, requires at least $50,000 bodily injury to one person, $100,000 to all persons injured, and $25,000 property damage during both the delivery-available period and the delivery-service period. Section 33-63-6 says the article takes effect July 1, 2025. The passenger-network statute, § 17-29-8, is a different rule: $50,000/$100,000/$25,000 before a prearranged ride and $1 million on a prearranged ride, for transporting passengers, on or before July 1, 2016, and thereafter.

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.

West Virginia Last-Mile Delivery Insurance Requirements

Requirement	Details
Delivery available and delivery service	$50,000 / $100,000 / $25,000 ¹
Passenger TNC, prearranged ride	$1 million ³

What to Watch for With Last-Mile Delivery in West Virginia

A Delivery Does Not Jump to $1 Million
Section 33-63-3 uses the same $50,000/$100,000/$25,000 floor in the delivery-available period and the delivery-service period. The $1 million figure is in the passenger statute, § 17-29-8, and it applies to a prearranged passenger ride. Do not move a grocery order onto that passenger number when the delivery is accepted. ^1,³
The Delivery Article Took Effect July 1, 2025
Section 33-63-6 states the article's effective date as July 1, 2025. A policy that still treats delivery insurance as optional after that date is late. The passenger duty in § 17-29-8 has been in force since on or before July 1, 2016, and it does not fill in for goods. ^2,³
The Driver, the Company, or Both Must Maintain It
During both delivery periods, § 33-63-3 says the driver, the delivery network company, or both must maintain the insurance. If the driver's personal policy does not recognize the delivery, the company policy has to carry the $50,000/$100,000/$25,000 floor. Ask which one is primary in each period. ¹

Which Last-Mile Delivery Providers Have West Virginia 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 West Virginia?

West Virginia Offices of the Insurance Commissioner

The West Virginia Offices of the Insurance Commissioner administers West 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. ^4,^5,⁶

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

Surplus-Lines Tax and Stamping Office in West Virginia

Reported tax rate. 4% of premium plus 0.55% surcharge ^7,⁸

The NAIC's state chart lists a 4% of premium plus 0.55% surcharge charge for surplus-lines coverage for West 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.

Questions to Ask Before You Buy Last-Mile Delivery in West Virginia

Is the delivery quote $50,000/$100,000/$25,000 in both periods, rather than $1 million once the delivery starts?
Did this policy pick up the Delivery Network Company Insurance Act as of July 1, 2025?
Are any passenger trips still on the $1 million prearranged-ride limit in § 17-29-8?

Last-Mile Delivery Insurance in West Virginia: FAQ

Does West Virginia require $1 million once a delivery-network driver starts a delivery?

No. Section 33-63-3 keeps $50,000/$100,000/$25,000 during both the delivery-available period and the delivery-service period. ¹

When did West Virginia’s delivery-network insurance article take effect?

July 1, 2025. Section 33-63-6 states that effective date. ²

Sources for Last-Mile Delivery Insurance in West Virginia

1
W. Va. Code § 33-63-3 Insurance requirements. West Virginia Legislature; delivery available period and delivery service period. Accessed 2026-09-29.
2
W. Va. Code § 33-63-6 Effective date. West Virginia Legislature; July 1, 2025. Accessed 2026-09-29.
3
W. Va. Code § 17-29-8 Financial responsibility of transportation network companies. West Virginia Legislature; subsections (a)–(c). Accessed 2026-09-29.
4
West Virginia Offices of the Insurance Commissioner. West Virginia Offices of the Insurance Commissioner; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
5
Insurance Department Directory. National Association of Insurance Commissioners; West Virginia Offices of the Insurance Commissioner entry; official contact and website listing. Accessed 2026-09-28.
6
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
7
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WV row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
8
Guaranty Associations & Funds. 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.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
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.
11
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.
12
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.
13
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.
14
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.
15
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.