Last-mile fleet insurance
I'm Michael Tiskiy, a California commercial insurance broker. Send me your fleet list, your contract, and your renewal date, and I'll send back real numbers you can act on. No call center, no runaround.
The problem
I insure last-mile delivery fleets for a living, and I see the same three accidents-in-waiting every week. A driver runs routes on personal auto with packages in the van. Personal policies exclude business use, so the first real claim dies on that line. An operator signs a delivery contract without reading the insurance section, the certificate comes up short, and the route is suddenly in question. A renewal lands three weeks out, there's no time to shop it, and the price becomes whatever the incumbent says it is.
All three problems have the same fix. Get your fleet list, your contract, and your renewal date in front of a broker who works the last-mile delivery economy every day. That is most of what my intake form asks for, and it is why operators who start 60 to 90 days before renewal end up with choices instead of ultimatums.
What I place
Auto liability, physical damage, cargo, and driver coverage in one placement, so the limits line up and nothing falls between policies.
The policy your contract inspects first. A one million dollar combined single limit is the usual floor. I quote to the contract's exact language.
Auto liability never pays for the packages in your van or for the van itself. These two coverages do.
Driver injury coverage, and the classification question underneath it. W-2 and 1099 are not interchangeable here.
For the refrigerator that meets the hardwood floor. Premises, operations, and the limits most contracts request.
Need a line that isn't listed? Ask me.
How it works
Five minutes on the intake form. Vehicles, drivers, contract, renewal date. Loss runs if you have them.
Your submission goes to carriers that actually write delivery risk. I tell you which ones, what came back, and how the quotes compare.
Coverage gets bound, and certificates go wherever the contract says they go. At renewal we do it again, earlier this time.
Who I work with
I place business with national and regional markets that write delivery risk, including:
Carrier availability varies by state, product, and underwriting. Listed marks belong to their owners.
Questions
Most last-mile delivery operators carry four coverages: commercial auto liability, physical damage on their vehicles, cargo coverage for the goods they move, and driver injury coverage through workers compensation or an occupational accident policy. Many contracts also require general liability. The exact mix depends on your contracts, your state, and how your drivers are classified.
No. Personal auto policies generally exclude business use, and delivering goods for pay is business use. A claim that happens mid-route can be denied on that exclusion alone. Delivery work needs a commercial auto policy, or at minimum a delivery endorsement where a carrier offers one.
It varies widely, so no single number is honest. Price is driven by fleet size, vehicle types, operating radius, driver motor vehicle records, loss history, and the limits your contracts require. The way to get a real number is to quote your actual fleet list against current market rates.
Send me your fleet details. I'll come back with numbers you can act on, and a straight answer if I'm not the right fit.
TISKIY