Spot for Last-Mile Delivery Insurance

Get quotes from last-mile delivery insurance providers with Spot

We put your vans, drivers and packages into one application and help you buy delivery cover that keeps up with your routes.

  • Vehicle liability, vehicle damage and cargo checked as separate parts
  • Cargo cover traced from loading to the customer’s door
  • Keep your broker or switch, with no commissions on premiums
A courier steps out of a delivery van scanning a parcel.

How Spot helps you buy Last-Mile Delivery Insurance

Tell us about your vans, drivers and loads

Your Spot team gathers vehicle details, drivers and how you select and train them, delivery area, average and maximum load values, overnight stops and storage, prior losses and your existing insurance.

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Heffernan Insurance Brokers

See what each quote covers

As proposals come back from the brokers who shop your program, we compare auto liability, physical damage, cargo limits and deductibles, non-auto liability and worker injuries across proposals, so a missing piece shows up before you bind.

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Last-mile delivery insurance

Coverage limits · Policy terms

Orbit Logistics

Check your delivery contracts against your policy

Send your delivery contracts and shipping terms. Spot compares what you’ve promised with what each proposal insures and flags the differences.

Last-mile delivery insurance

Orbit Logistics · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Ask about a damaged package or new route

When a package gets damaged at a doorstep or a new route adds an overnight stop, message your Spot team in Slack or ask the Spot agent what your cargo terms say.

# spot-support

JamieOrbit Logistics

What do we need to request last-mile delivery insurance quotes?

RileySpot

Let’s prepare the information for your broker and compare the terms, not just the price.

How buying Last-Mile Delivery Insurance works with Spot

  1. 01

    Tell us about your business

    Share what you do, where you work, the policies you have and any contracts that ask for insurance.

  2. 02

    We write up your application

    Spot turns it into an application that describes your business the way insurers need to see it.

  3. 03

    We get quotes from insurers

    Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.

  4. 04

    Compare your quotes

    We put the quotes side by side on limits, exclusions and terms as well as price.

  5. 05

    Buy your policy and get certificates

    You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.

Is Last-Mile Delivery Insurance right for you?

  • Delivery companies running their own vans

    Your vans need liability for crashes and their own damage protection, plus cover for the packages inside.

  • Couriers using drivers’ own cars

    Personal and rented vehicles need listing apart from company vans, along with whose liability the program insures.

  • Stores and brands delivering their own orders

    You take goods to customers yourself, so a damaged order or a crash on the route is yours to insure.

  • Contracted delivery partners

    Your delivery contracts set out the work you’ve promised, and the insured obligations should match it.

How Spot helps different industries with Last-Mile Delivery Insurance

What each industry usually faces, and where Spot fits in.

  • Supply Chain and Logistics

    Insurance help for logistics companies, freight forwarders and warehouses: property, inland marine, cargo, equipment breakdown, auto and workers’ comp.

  • Transportation Services

    Spot maps the drivers, vehicles, trip stages and goods behind rideshare, courier and delivery companies, then compares commercial auto, hired auto and cargo proposals.

Insurers we get Last-Mile Delivery Insurance quotes from

Get quotes from last-mile delivery insurance providers with Spot.

When to get Last-Mile Delivery Insurance

  • 01

    You’re bringing on drivers who use their own cars

    List those vehicles separately from company vans and rentals, and confirm whose liability the program insures while they deliver.

  • 02

    Peak season raises your load values

    A seasonal route can carry much more than a normal day. Check cargo limits against your largest load as well as your average one.

  • 03

    You’re adding a depot or overnight stop

    Temporary storage can sit outside the cargo terms. Ask whether protection continues while goods wait to go out.

  • 04

    You signed a new delivery contract

    Compare its obligations with what your current program insures before the first drop.

  • 05

    Your delivery insurance is up for renewal

    Update vehicles, drivers, routes and losses, and take the program back to market instead of renewing as offered.

Last-Mile Delivery Insurance questions

Also known as final-mile delivery insurance, courier insurance, delivery business insurance, delivery van insurance and package delivery insurance.

Does auto liability cover damaged packages?

Not on its own. Vehicle liability doesn’t answer who pays for damaged packages; cargo protection addresses the goods. Spot checks that each proposal includes it and at what limit.

Is a package covered at the customer’s door?

Only if the cargo terms reach the final handoff. Spot asks when protection begins and ends, including loading, temporary storage, unloading and the handoff itself.

Will our insurance pay to repair our delivery vans?

Only if it includes physical-damage protection for them. Liability for damage your vans cause to others is a separate part, and Spot shows which proposals include both.

Can drivers’ personal cars be covered?

Ask before you assume. List employee-owned vehicles separately, and Spot will find out which arrangements each quote accepts and whose liability it insures.

What will brokers want to know?

Vehicle details, drivers, delivery use and area, the goods and their load values, overnight stops, driver selection and training, and prior losses.

Can Spot work with the broker who placed our fleet policy?

Yes. Spot works with them to fill in any cargo or liability pieces the program is missing and takes no commissions on premiums. If you’d prefer a broker who places more delivery fleets, we help you switch.

Get insurance off your to-do list.

Get quotes from last-mile delivery insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.

Get Started

Learn more about Last-Mile Delivery Insurance

Read these before you choose a policy or an insurer.