Describe how deliveries happen
Tell us whether staff drive company vehicles, rentals or their own cars, and what they carry. Your Spot team asks how a package is handed off.
Orbit LogisticsOrganized by Spot
Last-Mile Delivery Insurance Quotes
Get last-mile delivery insurance quotes with Spot
Tell your Spot team how orders reach customers, and we prepare the submission brokers use to quote vehicle, cargo and liability together.
Get quotes from last-mile delivery insurance providers
- Vehicles, drivers and cargo described once
- Vehicle liability, vehicle damage and cargo checked separately
- Keep your broker or switch, with no commissions on premiums
How it works
List vehicles, drivers and loads
We separate owned, rented and personal vehicles, note your largest load and not just your average, and gather your current coverage.
Last-mile delivery insurance
Orbit Logistics · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers take it to market
We work with brokers to request proposals for your delivery program, and follow up on underwriters’ questions.
# 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.
Compare every part of the program
See each proposal’s vehicle liability, physical damage and cargo protection, including cargo during unloading and handoff.
Insurance documents
Quote requestLast-mile delivery insurance
Coverage limits · Policy terms
Orbit Logistics
What you’ll need
- 01
Owned vehicles
Company vehicles used for delivery.
- 02
Rented vehicles
Rentals used to make deliveries.
- 03
Drivers’ personal vehicles
Cars drivers use for your deliveries, where the program has to address non-owned vehicles.
- 04
Drivers
Who delivers for you, their driving records and whether they are employees.
- 05
What you carry
The goods and their values, including the value of your largest load and your seasonal peaks.
- 06
Handoff process
Loading, unloading, temporary storage and final handoff at the customer.
- 07
Contract requirements
Limits and wording set by retailers or other customers you deliver for.
What affects your price
- 01
Number and type of vehicles
More vehicles and more varied use mean more exposure.
- 02
Driver records
Driving histories shape how insurers view each driver.
- 03
Cargo values
Higher-value goods need higher cargo limits.
- 04
Delivery area and volume
More stops over more distance means more time at risk.
- 05
Parts of the program you buy
Liability, vehicle damage and cargo each add to the cost.
Providers your broker can approach
Get quotes from last-mile delivery insurance providers.
- Founder Shield
- Heffernan Insurance Brokers
- And many more
Common questions
Is last-mile delivery one standard policy?
No. Vehicle liability, vehicle damage and cargo can be separate parts of a quote, so we compare them one at a time.
What if drivers use their own cars?
The program must address delivery use of non-owned vehicles and say whose liability is insured. Cover for company-owned vehicles doesn’t settle either.
Does it cover a package damaged at the door?
Only if cargo coverage extends through unloading and handoff. Auto liability alone doesn’t provide it.
Can my delivery program stay with my broker?
Yes. Spot works alongside brokers and takes no commissions on premiums. Move to a different broker only if you want to.
Related
Get insurance off your to-do list.
Tell your Spot team how orders reach customers, and we prepare the submission brokers use to quote vehicle, cargo and liability together.
Get StartedLearn more before you get quotes
Read these before you choose a policy or an insurer.
