Casey places commercial insurance for last-mile delivery fleets — Amazon DSP, FedEx Ground ISP, contract delivery, and final-mile big-and-bulky. Sprinter vans, step vans, box trucks. We know the contractor program insurance requirements (CPIs), the per-vehicle limits required, and which markets actively write the segment.
Contract minimums commonly $1M CSL (Amazon DSP requires $1M; FedEx Ground varies). The MCS-90 endorsement is required if vehicles are over 10,001 lbs interstate.
02
Physical Damage
Coverage on the delivery vans, step vans, and box trucks. Branded fleet vehicles often need scheduled stated values.
03
Motor Truck Cargo
Customer contracts typically require $50K–$100K cargo. Big-and-bulky (appliance, furniture) delivery may need higher.
04
Hired & Non-Owned Auto
Critical for any fleet using gig drivers or personal vehicles for delivery. Without it, the corporate entity is uninsured if a contractor causes a loss.
05
General Liability
Premises and operations, including porch/delivery-point incidents and slip-and-fall at delivery addresses.
06
Employment Practices (EPLI)
DSP and ISP fleets often have high turnover and use 1099 contractors. EPLI defends wrongful termination, harassment, and misclassification claims.
Forward-facing and 360° cams earn 5–15% credits and substantially shorten backing-claim investigations.
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Years in business (3+)
Three years of clean experience is the largest single premium reducer.
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Lower turnover
Turnover under 50% earns credits and signals better driver quality across the pool.
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High turnover (over 75%)
Underwriters treat high turnover as a driver-quality and EPLI red flag.
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1099 contractor model
Pure contractor models (vs. W-2 employees) carry higher EPLI and misclassification exposure.
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Backing claim frequency
Backing claims are the most common last-mile loss; frequency matters.
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Multi-state ISP operations
Multi-state contractor operations add EPLI complexity and rating considerations.
Quote in 24–48 hours
What you’ll need to send to get a real quote.
—DOT Number if applicable (or state authority)
—Currently-effective dec page
—Loss runs (3 to 5 years, current within 60 days)
—Driver list (count, average tenure, turnover percentage)
—MVR aggregate data (we can pull samples if you authorize)
—Schedule of vehicles (year, make, model, VIN, stated value)
—Copy of DSP/ISP contract or contract insurance requirements
—Worker classification model (W-2, 1099, or mixed)
FAQ
Most last-mile operations get a real quote in 24–48 hours. New ventures, high-turnover operations, and accounts with multiple loss types can run 3–5 business days because we’re submitting to specialty markets that underwrite manually.
Depends on vehicle GVWR and routes. Sprinter vans under 10,001 lbs generally don’t trigger FMCSA, but the 10,001 lb threshold trips on intrastate work in many states with state DOT analogs. We confirm against your fleet.
At a minimum: $1M auto liability per occurrence, $1M GL per occurrence with $2M aggregate, workers comp at state limits, plus Amazon-specific named-insured, primary/non-contributory, and waiver of subrogation language. We confirm each requirement against the policy before bind.
Yes. New DSP and ISP authority is writeable. Pricing is rated up at first but normalizes after 12 months of clean experience.
Essential for fleets using gig drivers or personal vehicles. Without it, the corporate entity is uninsured if a contractor causes a loss. We include H&NO on every last-mile placement by default.
Up modestly, primarily driven by claim frequency and EPLI activity around contractor classification. Telematics-equipped fleets are pulling away from non-telematics fleets in renewal pricing.
Yes — DSP and ISP COIs are routine. We also review contract renewals and confirm insurance addendums against your active policy.
Get a quote
Quote your last mile delivery operation
Send your DOT and a few details. A broker will reach out within 1 business hour.
Casey places commercial insurance for last-mile delivery fleets — Amazon DSP, FedEx Ground ISP, contract delivery, and final-mile big-and-bulky. Sprinter vans, step vans, box trucks. We know the contractor program insurance requirements (CPIs), the per-vehicle limits required, and which markets actively write the segment.
Last-mile is a different exposure than long-haul. Routes are short, stops are many, claim frequency is high, claim severity is moderate. Backing claims, parked-and-struck, pedestrian incidents, and porch theft from delivered packages dominate the loss ledger. The carriers writing the class understand the pattern.
DSP and ISP fleets have an extra layer: the contractor program insurance requirements from Amazon, FedEx, or the contracting customer. Per-vehicle limits, hired/non-owned auto, employment practices coverage, and specific named-insured language are all on the requirement sheet. We confirm coverage against the requirement before bind.
“Amazon DSP and FedEx ISP requirements look like trucking insurance but read differently. We confirm coverage matches the contract before bind.”
Coverage you’ll typically need
What goes on a last-mile delivery policy.
Last-mile policies share core lines with other for-hire fleets but lean heavier on hired/non-owned and EPLI because of the gig/contractor workforce.
01Auto LiabilityContract minimums commonly $1M CSL (Amazon DSP requires $1M; FedEx Ground varies). The MCS-90 endorsement is required if vehicles are over 10,001 lbs interstate.
02Physical DamageCoverage on the delivery vans, step vans, and box trucks. Branded fleet vehicles often need scheduled stated values.
03Motor Truck CargoCustomer contracts typically require $50K–$100K cargo. Big-and-bulky (appliance, furniture) delivery may need higher.
04Hired & Non-Owned AutoCritical for any fleet using gig drivers or personal vehicles for delivery. Without it, the corporate entity is uninsured if a contractor causes a loss.
05General LiabilityPremises and operations, including porch/delivery-point incidents and slip-and-fall at delivery addresses.
06Employment Practices (EPLI)DSP and ISP fleets often have high turnover and use 1099 contractors. EPLI defends wrongful termination, harassment, and misclassification claims.
Why last-mile is harder than it looks
What gets last-mile fleets declined.
Last-mile decline reasons cluster around frequency, EPLI exposure, and contractor classification.
High claim frequency
Last-mile produces many small claims — backing, parked-and-struck, mirror clips. Frequency, not severity, drives underwriting.
Worker classification claims
1099 vs. W-2 driver classification is the largest emerging exposure. Department of Labor and state claims compound.
New ventures under 12 months
Standard markets often want a year. DSP/ISP new authority is writeable but rated up.
MVR issues across the driver pool
Underwriters look at aggregate driver MVR quality, not just the worst driver. High turnover hides this.
Branded fleet vehicles
Amazon-branded delivery vehicles have specific repair-network requirements and stated-value implications.
Mixed cargo (big-and-bulky)
Furniture and appliance delivery carries higher cargo severity than parcel. Different cargo limits apply.
What drives your premium
Pricing factors for last-mile delivery.
Last-mile premiums move with fleet size, driver quality, telematics use, and contract type more than with radius.
Last-mile submissions are paperwork-heavy on the driver side but lighter on equipment.
—DOT Number if applicable (or state authority)
—Currently-effective dec page
—Loss runs (3 to 5 years, current within 60 days)
—Driver list (count, average tenure, turnover percentage)
—MVR aggregate data (we can pull samples if you authorize)
—Schedule of vehicles (year, make, model, VIN, stated value)
—Copy of DSP/ISP contract or contract insurance requirements
—Worker classification model (W-2, 1099, or mixed)
Federal & contract compliance
FMCSA, DSP, and ISP requirements.
Last-mile compliance varies. Smaller vehicles may not trigger FMCSA jurisdiction at all; larger fleets and interstate operations do. Contract requirements often exceed federal minimums.
FMCSA jurisdiction. Vehicles over 10,001 lbs GVWR crossing state lines for compensation trigger FMCSA — DOT/MC numbers, MCS-90, HOS, and DVIR.
Amazon DSP requirements. $1M auto liability per occurrence, $1M general liability per occurrence, $2M GL aggregate, workers comp at state statutory limits, plus Amazon-specific named-insured and primary/non-contributory language.
FedEx Ground ISP requirements. Vary by region. Typically $1M auto liability, $100K cargo, EPLI, and specific named-insured requirements. ISP renewal cycles and audit requirements drive insurance review schedules.
Common questions
Last Mile Delivery insurance, answered.
Most last-mile operations get a real quote in 24–48 hours. New ventures, high-turnover operations, and accounts with multiple loss types can run 3–5 business days because we’re submitting to specialty markets that underwrite manually.
Depends on vehicle GVWR and routes. Sprinter vans under 10,001 lbs generally don’t trigger FMCSA, but the 10,001 lb threshold trips on intrastate work in many states with state DOT analogs. We confirm against your fleet.
At a minimum: $1M auto liability per occurrence, $1M GL per occurrence with $2M aggregate, workers comp at state limits, plus Amazon-specific named-insured, primary/non-contributory, and waiver of subrogation language. We confirm each requirement against the policy before bind.
Yes. New DSP and ISP authority is writeable. Pricing is rated up at first but normalizes after 12 months of clean experience.
Essential for fleets using gig drivers or personal vehicles. Without it, the corporate entity is uninsured if a contractor causes a loss. We include H&NO on every last-mile placement by default.
Up modestly, primarily driven by claim frequency and EPLI activity around contractor classification. Telematics-equipped fleets are pulling away from non-telematics fleets in renewal pricing.
Yes — DSP and ISP COIs are routine. We also review contract renewals and confirm insurance addendums against your active policy.
Get a quote