---
title: "Last-Mile Delivery Insurance"
description: "Last-mile delivery insurance with Spot: vehicles, drivers and loads in one submission, and proposals checked for vehicle, cargo and handoff gaps."
canonical: "https://spot.insure/insurance/last-mile-delivery"
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/last-mile-delivery)

## Agent Guide

**What this page is:** Last-mile delivery insurance with Spot: vehicles, drivers and loads in one submission, and proposals checked for vehicle, cargo and handoff gaps.

**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 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

[Get Started](https://app.spot.insure/signup?coverage=last-mile-delivery). 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 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.
2. **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.
3. **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.
4. **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.

## Who we help

- **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.

## When to get this coverage

- **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.
- **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.
- **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.
- **You signed a new delivery contract.** Compare its obligations with what your current program insures before the first drop.
- **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.

## Common 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.

## More

- [Business Insurance by Coverage](https://spot.insure/insurance)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/last-mile-delivery.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)