Coverage
A last-mile program is one placement that covers the four ways delivery work goes wrong: liability on the road, damage to your vehicles, loss of the goods you carry, and injury to your drivers.
I build the package around two documents: your contract and your fleet list. The contract sets the limits you must carry. The fleet list sets the price. Everything else is negotiation with carriers that actually understand delivery work.
This is for delivery service partners, ground contractors, regional couriers, final-mile teams moving furniture and appliances, and independent fleets from one van to a hundred.
Six things move the price: fleet size, vehicle types, operating radius, driver records, loss history, and the limits your contract requires. You control two of them. Driver records and documented safety practice are the levers worth pulling before a quote, not after.
Questions
A typical last-mile program combines commercial auto liability, physical damage on the vehicles, cargo coverage, and driver injury coverage, with general liability added when contracts call for it. Building them as one placement keeps limits consistent and avoids gaps between policies.
Anyone running vehicles on the final leg to the customer: delivery service partners, ground contractors, regional couriers, final-mile furniture and appliance teams, medical and pharmacy delivery, and independent fleets serving retailers or 3PLs.
Six factors do most of the work: number of vehicles, vehicle types and values, operating radius, driver motor vehicle records, loss history, and the limits your contracts require. Improving driver records and documenting safety practices are the levers an operator actually controls.
Yes. Mixed fleets are normal in delivery work. Each vehicle class is rated on its own terms within one policy, so a fleet of cargo vans with two box trucks and a supervisor's SUV can sit on a single program.
The intake takes about five minutes. I quote against your actual vehicle and driver list, not a generic profile.
TISKIY