What Last-Mile Delivery Insurance Requirements Apply in Wisconsin?

Section 440.48 requires primary automobile liability of $50,000 per person, $100,000 per incident, and $25,000 property damage while a driver is logged on and not engaged in transportation network services, and $1 million while engaged. The insurance must recognize that the driver uses a motor vehicle to transport passengers for compensation. Section 440.41 says no person may operate a transportation network company unless it is licensed, and § 440.445 requires the company to collect a copy of the automobile liability policy for each personal vehicle the driver will use.

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.

Wisconsin Last-Mile Delivery Insurance Requirements

Requirement	Details
Logged on, not engaged in TNC services	$50,000 / $100,000 / $25,000 ¹
Engaged in transportation network services	$1 million ¹

What to Watch for With Last-Mile Delivery in Wisconsin

The Company Has to Be Licensed
Section 440.41 prohibits operating a transportation network company in Wisconsin unless the company is licensed, and it prohibits transportation network services except as a participating driver for a licensed company. Insurance limits on an unlicensed platform do not satisfy the operating ban. Ask for the license before you rely on the policy. ²
The Company Must Have the Personal Policy in Hand
Section 440.445(1)(a)5 requires a copy of the individual's automobile liability insurance policy for each personal vehicle the driver will use. A quote that never looks at that personal policy can miss an exclusion for passenger transportation. The statutory $50,000/$100,000/$25,000 and $1 million duties still have to be met. ^2,¹
Engaged Means Transporting Passengers
Section 440.48(1) requires insurance that recognizes the driver uses a motor vehicle to transport passengers for compensation. The $1 million limit is that engaged passenger service. A goods delivery is not the service the section describes. ¹

Which Last-Mile Delivery Providers Have Wisconsin 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 Wisconsin?

Wisconsin Office of the Commissioner of Insurance

The Wisconsin Office of the Commissioner of Insurance administers Wisconsin 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

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

Surplus-Lines Tax and Stamping Office in Wisconsin

Reported tax rate. 3% of premium ^6,⁷

The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Wisconsin (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 Wisconsin

Is the transportation network company licensed under § 440.41?
Does the company have a copy of the automobile policy for each personal vehicle, as § 440.445 requires?
Is the $1 million limit engaged passenger transportation, or a goods delivery § 440.48 does not describe?

Last-Mile Delivery Insurance in Wisconsin: Frequently Asked Questions

Can a transportation network company operate in Wisconsin without a license?

No. Section 440.41 says no person may operate a transportation network company in the state unless it is a licensed company. ²

What limit does Wisconsin require while a driver is engaged in transportation network services?

$1 million. Section 440.48 sets that primary automobile liability for death, bodily injury, and property damage. ¹

Sources for Last-Mile Delivery Insurance in Wisconsin

1
Wisconsin Statutes § 440.48 Insurance. Wisconsin Legislature; § 440.48(1)(a)–(c). Accessed 2026-09-29.
2
Wisconsin Statutes §§ 440.41 and 440.445. Wisconsin Legislature; § 440.41 license required; § 440.445(1)(a)5 copy of the automobile liability policy. Accessed 2026-09-29.
3
Wisconsin Office of the Commissioner of Insurance. Wisconsin Office of the Commissioner of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4
Insurance Department Directory. National Association of Insurance Commissioners; Wisconsin Office of the Commissioner of Insurance entry; official contact and website listing. Accessed 2026-09-28.
5
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
6
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WI row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
7
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.
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.