---
title: "Last-Mile Delivery Insurance Quotes"
description: "Get last-mile delivery quotes with Spot: we describe your vehicles, drivers and cargo, take one submission to market and compare each part of the program."
canonical: "https://spot.insure/insurance/last-mile-delivery/quotes"
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/quotes)

## Agent Guide

**What this page is:** Get last-mile delivery quotes with Spot: we describe your vehicles, drivers and cargo, take one submission to market and compare each part of the program.

**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

# 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.

- Vehicles, drivers and cargo described once
- Vehicle liability, vehicle damage and cargo checked separately
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=quote&coverage=last-mile-delivery&icp=logistics)

## How it works

- **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.
- **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.
- **Brokers take it to market.** We work with brokers to request proposals for your delivery program, and follow up on underwriters’ questions.
- **Compare every part of the program.** See each proposal’s vehicle liability, physical damage and cargo protection, including cargo during unloading and handoff.

## What you’ll need

- **Owned vehicles.** Company vehicles used for delivery.
- **Rented vehicles.** Rentals used to make deliveries.
- **Drivers’ personal vehicles.** Cars drivers use for your deliveries, where the program has to address non-owned vehicles.
- **Drivers.** Who delivers for you, their driving records and whether they are employees.
- **What you carry.** The goods and their values, including the value of your largest load and your seasonal peaks.
- **Handoff process.** Loading, unloading, temporary storage and final handoff at the customer.
- **Contract requirements.** Limits and wording set by retailers or other customers you deliver for.

## What affects your price

- **Number and type of vehicles.** More vehicles and more varied use mean more exposure.
- **Driver records.** Driving histories shape how insurers view each driver.
- **Cargo values.** Higher-value goods need higher cargo limits.
- **Delivery area and volume.** More stops over more distance means more time at risk.
- **Parts of the program you buy.** Liability, vehicle damage and cargo each add to the cost.

## Coverage

- [Last-mile delivery](https://spot.insure/insurance/last-mile-delivery/quotes)

## 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.

## More

- [Get quotes](https://spot.insure/insurance-quotes)

## Agent and Developer Resources

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