--- title: "Transportation Services" description: "Spot maps the drivers, vehicles, trip stages and goods behind rideshare, courier and delivery companies, then compares commercial auto, hired auto and cargo proposals." canonical: "https://spot.insure/insurance-for/transportation-services" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/insurance-for/transportation-services) ## Agent Guide **What this page is:** Spot maps the drivers, vehicles, trip stages and goods behind rideshare, courier and delivery companies, then compares commercial auto, hired auto and cargo proposals. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Spot for Mobility and Delivery Companies Get quotes from transportation services insurance providers with Spot. We line up auto and cargo quotes for your drivers and deliveries, compare them on more than price and keep renewals on track. - Each trip stage and driver relationship in the submission - Auto and cargo proposals compared side by side - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=commercial-auto&industry=transportation-services&icp=logistics). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **Tell us what happens on each trip.** Your Spot team lays out each stage from app availability through matching, pickup, handoff and logout, and marks which entity controls it and who supplies the insurance. 2. **Compare auto and cargo coverage separately.** Spot puts vehicle coverage and goods in transit in separate columns when proposals come back from brokers, so a strong auto quote doesn’t hide a gap in cargo. 3. **Check dispatch and delivery contracts.** Before you promise limits to a merchant or partner, send the contract. Spot checks the requirement against your policies and flags any difference. 4. **Get partners their certificates.** Merchants, venues and depot landlords ask for proof of insurance. Send the request in your Slack channel and we’ll get the certificate ready for that partner. ## Who we help - **Passenger platforms.** Coverage questions change as a driver logs on, accepts a trip and picks up a rider, and California’s regulator splits ride-hail trips into insurance periods. - **Delivery and courier companies.** You take custody of goods between parties, so you need to know when your responsibility starts and ends, and whether a last-mile policy covers the packages as well as the vehicle. - **Fleet operators.** You own or lease the vehicles your drivers use, and each unit, driver and use needs to be on the commercial auto quote. - **Teams running errands in personal vehicles.** When employees or contractors use personal or rented vehicles for your work, ask how hired and non-owned auto would respond. ## Coverage - [Commercial auto](https://spot.insure/insurance/commercial-auto) - [Last-mile delivery](https://spot.insure/insurance/last-mile-delivery) - [Hired and non-owned auto](https://spot.insure/insurance/hired-non-owned-auto) - [Cargo and transit](https://spot.insure/insurance/cargo-transit) - [General liability](https://spot.insure/insurance/general-liability) - [Cyber liability](https://spot.insure/insurance/cyber) ## When to get this coverage - **You’re launching rides or deliveries in a new state.** Rules differ by state and by service type. Map your trip flow and drivers there before you go live. - **You’re changing how trips are dispatched.** A new matching or handoff flow can move a trip between coverage periods. Update the timeline the quote relies on. - **You’re adding company-owned vehicles.** Owned and leased units, their drivers and their use all go into the commercial auto submission. - **You’ve started holding goods for customers.** Record who owns the goods, declared values, routes, carriers and handoff points for the cargo quote. - **A merchant or partner wants higher limits.** Compare their requirement with your auto and cargo limits, and price the difference before you agree. ## Common questions Also known as rideshare company insurance, delivery company insurance, delivery business insurance, courier insurance, courier company insurance and mobility company insurance. ### What insurance does a courier or delivery company need? Commercial auto for vehicles you own, hired and non-owned auto for drivers using their own cars, last-mile delivery and cargo cover for the packages, plus general liability and cyber for your app. Spot maps which applies at each trip stage. ### Do California’s rideshare insurance periods apply to delivery apps? California defines a transportation network company around arranging paid passenger trips in a driver’s personal vehicle, and delivery isn’t necessarily the same activity, so the periods don’t carry over on their own. Spot describes your service as it actually runs. ### What should we send for a commercial auto quote? Send your operating entities, states, vehicle ownership, driver relationships, trip or delivery stages, and whether drivers carry people or goods. ### Does our auto policy cover the packages we deliver? Vehicle coverage and goods in transit are separate questions. Spot asks whether each proposal protects the goods on board or leaves that to a separate cargo policy. ### Our broker places our fleet policy. Can they stay on it? Yes. Spot works alongside the broker you have and takes no commissions on premiums. If you want one with more ride-hail or courier experience, Spot can help you switch. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/transportation-services.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)