--- title: "Biden’s Gig Worker Labor Rule: Effects on Last-Mile Delivery Businesses" description: Is Biden's new gig worker rule shaking up your last-mile delivery business? Dive in to understand the rule's impact, explore risk management strategies. image: https://www.risk-strategies.com/hubfs/Delivery%20man%20getting%20his%20deliveries%20out%20of%20van.jpg --- - Industries Back to Main [ Industries ](https://www.risk-strategies.com/industries) - [ Agriculture ](https://www.risk-strategies.com/industries/agriculture/) - [ Architects & Engineers ](https://www.risk-strategies.com/industries/architects-engineers) - Aviation Back to Aviation [ Aviation ](https://www.risk-strategies.com/industries/aviation) - [ Aviation Business Insurance - Manned Risk ](https://www.risk-strategies.com/industries/aviation/aviation-business-insurance) - [ Non-Owned Aviation ](https://www.risk-strategies.com/industries/aviation/non-owned-aviation) - [ Unmanned Aerial System and Drones ](https://www.risk-strategies.com/industries/aviation/unmanned-aerial-system-and-drone) - [ Cannabis ](https://www.risk-strategies.com/industries/cannabis) - Construction Back to Construction [ Construction ](https://www.risk-strategies.com/industries/construction) - [ Alternative Solutions ](https://www.risk-strategies.com/construction/alternative-solutions) - [ Financing & Pre-Construction ](https://www.risk-strategies.com/construction/financing-and-pre-construction) - [ Insurance Solutions ](https://www.risk-strategies.com/construction/insurance-solutions) - [ Risk Management ](https://www.risk-strategies.com/construction/risk-management) - [ Surety ](https://www.risk-strategies.com/construction/surety) - Dental Back to Dental [ Dental ](https://www.risk-strategies.com/dental) - [ Insurance for Dental Professionals ](https://www.risk-strategies.com/dental) - [ Dental Malpractice Insurance ](https://www.risk-strategies.com/dental-malpractice-insurance) - [ BOP Insurance - Dental Practices & DSOs ](https://www.risk-strategies.com/bop-insurance-dentists-dsos) - [ Dental School Graduates ](https://www.risk-strategies.com/malpractice-insurance-dental-school-graduates-new-dentists) - [ Dental Associates & Hygienists ](https://www.risk-strategies.com/malpractice-insurance-dental-associates-hygienists) - [ Dental Practice Owners ](https://www.risk-strategies.com/liability-insurance-dental-practice-owners) - [ Dental Service Organizations (DSOs) ](https://www.risk-strategies.com/dental-service-organizations-insurance) - Education Back to Education [ Education ](https://www.risk-strategies.com/industries/education/) - [ Employee Benefits for Education ](https://www.risk-strategies.com/industries/education/employee-benefits) - [ Property, Casualty & Liability for Education ](https://www.risk-strategies.com/industries/education/property-casualty-liability-risk-management) - Student Health & Wellness Back to Student Health & Wellness [ Student Health & Wellness ](https://www.risk-strategies.com/industries/education/student-health) - [ Student Health Brokerage and Consulting ](https://www.risk-strategies.com/industries/education/student-health-wellness-brokerage-consulting-services) - [ Student Health Plan Administration ](https://www.risk-strategies.com/industries/education/student-health-wellness-plan-administration) - [ Student Health Insurance Plans ](https://www.risk-strategies.com/industries/education/student-health-insurance) - [ Solutions for Student Athletes ](https://www.risk-strategies.com/industries/education/student-athletes) - [ Student Health & Wellness Tools ](https://www.risk-strategies.com/industries/education/student-health-wellness-tools-and-programs) - [ Special Risk Insurance ](https://www.risk-strategies.com/industries/education/special-risk-insurance-for-college-students) - Entertainment Back to Entertainment [ Entertainment ](https://www.risk-strategies.com/industries/entertainment/) - [ Film & Television ](https://www.risk-strategies.com/industries/entertainment/film-television) - [ Advertising Production Wrap Ups ](https://www.risk-strategies.com/industries/entertainment/advertising-production-wrap-ups) - [ Advertising/PR ](https://www.risk-strategies.com/industries/entertainment/media-advertising-pr) - [ Event Cancellation & Non-Appearance ](https://www.risk-strategies.com/industries/entertainment/event-cancellation-and-non-appearance) - [ Music & Touring ](https://www.risk-strategies.com/industries/entertainment/music) - [ Theatrical Production & Live Performance  ](https://www.risk-strategies.com/industries/entertainment/theatre-plays) - [ Venue Insurance ](https://www.risk-strategies.com/industries/entertainment/venue-insurance) - Financial Services Back to Financial Services [ Financial Services ](https://www.risk-strategies.com/industries/financial-services/) - [ Asset Managers ](https://www.risk-strategies.com/industries/financial-services/asset-managers) - [ Banks & Non-Bank Lending ](https://www.risk-strategies.com/industries/financial-services/banks-and-non-bank-lending) - [ Collections ](https://www.risk-strategies.com/industries/financial-services/collections) - [ Consumer Financial Services ](https://www.risk-strategies.com/industries/financial-services/consumer-financial-services) - [ Financial Tech ](https://www.risk-strategies.com/industries/financial-services/financial-tech) - [ Insurance Companies ](https://www.risk-strategies.com/industries/financial-services/insurance-companies) - Fine Art Back to Fine Art [ Fine Art ](https://www.risk-strategies.com/industries/fine-art/) - Dealers and Auction Houses Back to Dealers and Auction Houses [ Dealers and Auction Houses ](https://www.risk-strategies.com/industries/fine-art/auction-house) - [ Galleries ](https://www.risk-strategies.com/industries/fine-art/gallery) - [ Private Art Dealers ](https://www.risk-strategies.com/industries/fine-art/private-art-dealers) - Collections Back to Collections [ Collections ](https://www.risk-strategies.com/fine-art/private-collectors) - [ Private Collectors ](https://www.risk-strategies.com/private-client-services/collections/) - [ Coins, Paper Money & Numismatics Collections ](https://www.risk-strategies.com/industries/fine-art/coins-paper-money-numismatics) - [ Gold, Bullion & Precious Metal Collections ](https://www.risk-strategies.com/industries/fine-art/gold-bullion-precious-metals) - [ Artists ](https://www.risk-strategies.com/industries/fine-art/artists) - Museums and Foundations Back to Museums and Foundations [ Museums and Foundations ](https://www.risk-strategies.com/industries/fine-art/artist-endowed-foundation) - [ Museums ](https://www.risk-strategies.com/industries/fine-art/museum-insurance) - [ Fine Art Packers / Shippers / Warehouses ](https://www.risk-strategies.com/industries/fine-art/packer) - Healthcare Back to Healthcare [ Healthcare ](https://www.risk-strategies.com/industries/healthcare/) - [ Employee Benefits - Healthcare ](https://www.risk-strategies.com/industries/healthcare/benefits) - [ Managed Care / Stop Loss ](https://www.risk-strategies.com/industries/healthcare/managed-care) - [ Medical Malpractice ](https://www.risk-strategies.com/industries/healthcare/medical-malpractice) - [ Property & Casualty - Healthcare ](https://www.risk-strategies.com/industries/healthcare/property-and-casualty) - [ Reinsurance ](https://www.risk-strategies.com/industries/healthcare/reinsurance) - [ Law Firms ](https://www.risk-strategies.com/industries/law-firms) - Logistics & Transportation Back to Logistics & Transportation [ Logistics & Transportation ](https://www.risk-strategies.com/industries/logistics-transportation/) - [ Last Mile & Final Mile Delivery Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/last-mile-final-mile-delivery-insurance) - [ Trucking Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/trucking-insurance) - [ Intermodal Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/intermodal-insurance) - [ Freight Forwarder Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/freight-forwarder-insurance) - [ Freight Broker Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/freight-broker-insurance) - [ Livery Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/livery-insurance) - Marine & Yacht Back to Marine & Yacht [ Marine & Yacht ](https://www.risk-strategies.com/industries/marine/marine-insurance) - Yacht Insurance For Individuals Back to Yacht Insurance For Individuals [ Yacht Insurance For Individuals ](https://www.risk-strategies.com/industries/marine-yacht/individuals) - [ Mega Yachts ](https://www.risk-strategies.com/industries/marine-yacht/mega-yachts) - [ Cruiser Insurance - Jackline ](https://www.risk-strategies.com/industries/marine-yacht/jackline-program-cruising) - [ One-Design Insurance Program ](https://www.risk-strategies.com/industries/marine-yacht/one-design-insurance-program) - [ Sailors Health Insurance Program ](https://www.risk-strategies.com/industries/marine-yacht/sailors-health-insurance-program-for-us-sailing-members) - [ US Sailing Insurance Solutions ](https://www.risk-strategies.com/industries/marine-yacht/us-sailing-programs) - Commercial Marine Insurance Back to Commercial Marine Insurance [ Commercial Marine Insurance ](https://www.risk-strategies.com/industries/marine/commerical-marine-insurance) - [ Aquaculture ](https://www.risk-strategies.com/industries/marine-yacht/aquaculture) - [ Cargo & Transit Insurance Solutions ](https://www.risk-strategies.com/industries/marine-yacht/marine-cargo-and-transit-insurance) - [ Crew Medical Insurance ](https://www.risk-strategies.com/industries/marine/crew-medical-insurance) - [ Hull & Machinery ](https://www.risk-strategies.com/industries/marine-yacht/marine-hull-and-machinery-insurance) - [ Marine Claims Service ](https://www.risk-strategies.com/industries/marine-yacht/marine-claims-support) - [ Marine Construction ](https://www.risk-strategies.com/industries/marine-yacht/marine-contractors-insurance) - [ Marine Liability ](https://www.risk-strategies.com/industries/marine-yacht/marine-liability-insurance) - [ Ports & Terminals ](https://www.risk-strategies.com/industries/marine-yacht/marine-ports-and-terminals-insurance) - [ Protection & Indemnity ](https://www.risk-strategies.com/industries/marine-yacht/marine-protection-and-indemnity-insurance) - [ Recreational Marine Businesses ](https://www.risk-strategies.com/industries/marine-yacht/marine-businesses) - [ Sailing Organizations – Burgee Program ](https://www.risk-strategies.com/industries/marine-yacht/sailing-organizations-burgee-program) - [ Nonprofit & Human Services ](https://www.risk-strategies.com/industries/nonprofit/) - Private Equity Back to Private Equity [ Private Equity ](https://www.risk-strategies.com/industries/private-equity) - [ Crypto Companies ](https://www.risk-strategies.com/industries/private-equity/crypto-companies) - Public Sector Back to Public Sector [ Public Sector ](https://www.risk-strategies.com/industries/public-sector) - [ Public Safety Organizations & Municipalities ](https://www.risk-strategies.com/industries/public-sector/public-safety-and-municipalities) - Real Estate Back to Real Estate [ Real Estate ](https://www.risk-strategies.com/industries/real-estate) - [ Commercial ](https://www.risk-strategies.com/industries/real-estate/commercial-real-estate) - [ Community Associations ](https://www.risk-strategies.com/industries/real-estate/community-associations) - [ Hospitality ](https://www.risk-strategies.com/industries/real-estate/hospitality) - [ Residential / Habitational ](https://www.risk-strategies.com/industries/real-estate/residential-habitational) - [ REITs ](https://www.risk-strategies.com/industries/real-estate/reits) - [ Retail ](https://www.risk-strategies.com/industries/real-estate/retail) - [ Specialty Programs ](https://www.risk-strategies.com/industries/real-estate/specialty-programs) - Relocation Back to Relocation [ Relocation ](https://www.risk-strategies.com/industries/relocation) - [ Domestic Household Goods ](https://www.risk-strategies.com/industries/relocation/domestic-household-goods) - [ Expat Renters & Living Insurance ](https://www.risk-strategies.com/industries/relocation/expatriate-renters-liability) - [ Relocation Claims Service ](https://www.risk-strategies.com/industries/relocation/household-goods-claims-administration) - [ International Household Goods ](https://www.risk-strategies.com/industries/relocation/international-household-goods) - [ Supplemental Movers Coverage ](https://www.risk-strategies.com/industries/relocation/supplemental-movers-coverage) - [ Temporary Living Insurance ](https://www.risk-strategies.com/industries/relocation/temporary-renters) - [ Vacant Home ](https://www.risk-strategies.com/industries/relocation/vacant-home) - [ Waste & Recycling ](https://www.risk-strategies.com/industries/waste-and-recycling) - Wineries & Vineyards Back to Wineries & Vineyards [ Wineries & Vineyards ](https://www.risk-strategies.com/industries/wineries-vineyards) - [ Vineyard Insurance ](https://www.risk-strategies.com/industries/wineries-vineyards/vineyard-insurance) - [ Winery & Hospitality Insurance ](https://www.risk-strategies.com/wineries-vineyards/winery-insurance-hospitality) - [ Personal Lines Insurance - Winery Owners ](https://www.risk-strategies.com/industries/wineries-vineyards/personal-lines-insurance-winery-owners) - Solutions Back to Main [ Solutions ](https://www.risk-strategies.com/solutions) - Commercial Insurance Back to Commercial Insurance [ Commercial Insurance ](https://www.risk-strategies.com/business-insurance/) - [ Captives ](https://www.risk-strategies.com/business-insurance/captives) - Casualty Back to Casualty [ Casualty ](https://www.risk-strategies.com/business-insurance/casualty) - [ Analytics ](https://www.risk-strategies.com/business-insurance/casualty/analytics) - [ Auto Liability & Physical Damage ](https://www.risk-strategies.com/business-insurance/casualty/auto-liability-and-physical-damage) - [ Captives & Alternative Risk Financing ](https://www.risk-strategies.com/business-insurance/casualty/captives-and-alternatives-risk-financing) - [ Claims Advocacy & Loss Control ](https://www.risk-strategies.com/business-insurance/casualty/claims-advocacy-and-loss-control) - [ Excess Liability ](https://www.risk-strategies.com/business-insurance/casualty/excess-liability) - [ General Liability ](https://www.risk-strategies.com/business-insurance/casualty/general-liability) - [ Product Recall ](https://www.risk-strategies.com/business-insurance/casualty/product-recall) - [ Workers' Compensation ](https://www.risk-strategies.com/business-insurance/casualty/workers-compensation) - Cyber Back to Cyber [ Cyber ](https://www.risk-strategies.com/business-insurance/cyber-risk) - [ Cyber Resolute ](https://www.risk-strategies.com/cyber-resolute) - [ Cyber Risk Assessment and Analytics ](https://www.risk-strategies.com/cyber-risk-assessment-and-analytics) - [ Cyber Risk Response & Claims Advocacy ](https://www.risk-strategies.com/cyber/dedicated-cyber-risk-response-and-claims-advocacy) - [ Cyber Insurance - Family Office ](https://www.risk-strategies.com/private-client-services/cyber-insurance-family-office) - [ Cyber Insurance - Individuals ](https://www.risk-strategies.com/private-client-services/cyber-insurance-for-individuals-families) - Environmental Back to Environmental [ Environmental ](https://www.risk-strategies.com/business-insurance/environmental) - [ Contractors Pollution Liability ](https://www.risk-strategies.com/environmental/contractors-pollution) - [ Environmental Excess ](https://www.risk-strategies.com/environmental/environmental-excess) - [ Environmental Liability Transfer ](https://www.risk-strategies.com/environmental-liability-transfer) - [ Environmental Liability - Healthcare ](https://www.risk-strategies.com/environmental/healthcare) - [ Environmental Liability - Higher Education ](https://www.risk-strategies.com/environmental/higher-education) - [ Pollution Legal Liability ](https://www.risk-strategies.com/environmental/pollution-legal-liability) - [ Environmental Liability - Private Equity ](https://www.risk-strategies.com/environmental/private-equity) - [ Professional Environmental Liability Insurance ](https://www.risk-strategies.com/environmental/professional-environmental-liability-insurance) - [ Real Estate Development ](https://www.risk-strategies.com/environmental/real-estate-development) - [ Remediation Cost Cap ](https://www.risk-strategies.com/environmental/remediation-cost-cap) - [ Secured Creditor Protection for Lenders ](https://www.risk-strategies.com/environmental/secured-creditor-protection-for-lenders) - [ Underground Storage Tanks ](https://www.risk-strategies.com/environmental/underground-storage-tanks) - Executive Risk Solutions Back to Executive Risk Solutions [ Executive Risk Solutions ](https://www.risk-strategies.com/business-insurance/executive-risk-management-solutions) - [ Executive Risk Solutions - Entertainment ](https://www.risk-strategies.com/business-insurance/management-liability/entertainment-industry) - [ Executive Risk Solutions - Financial Institutions ](https://www.risk-strategies.com/business-insurance/management-liability/financial-institutions) - [ Executive Risk Solutions - Healthcare ](https://www.risk-strategies.com/business-insurance/management-liability/healthcare-industry) - [ Executive Risk Solutions - Real Estate ](https://www.risk-strategies.com/business-insurance/management-liability/real-estate-industry) - [ International ](https://www.risk-strategies.com/business-insurance/international) - Property Back to Property [ Property ](https://www.risk-strategies.com/business-insurance/property) - [ Builder's Risk ](https://www.risk-strategies.com/business-insurance/builders-risk) - [ Property Claims Services ](https://www.risk-strategies.com/business-insurance/property/claims-services) - [ Inland Transit and Ocean Cargo ](https://www.risk-strategies.com/business-insurance/inland-and-ocean-marine) - [ Natural Hazard Catastrophe Modeling ](https://www.risk-strategies.com/business-insurance/property/natural-catastrophe-modelling-and-solutions) - [ Political Violence and Terrorism ](https://www.risk-strategies.com/business-insurance/political-violence-and-terrorism) - [ Property Damage & Business Interruptions Valuations ](https://www.risk-strategies.com/business-insurance/property/property-damage-and-business-interruptions-valuation) - [ Property Loss Prevention and Control ](https://www.risk-strategies.com/business-insurance/property-loss-prevention-and-control-services) - [ Surety ](https://us.bbrown.com/business-insurance/surety) - Employee Benefits Back to Employee Benefits [ Employee Benefits ](https://www.risk-strategies.com/employee-benefits/) - [ Employee Benefits Overview ](https://www.risk-strategies.com/employee-benefits/) - [ Benefit Administration and Technology ](https://www.risk-strategies.com/employee-benefits/benefit-administration-technology) - [ Benefits Compliance Support ](https://www.risk-strategies.com/employee-benefits/benefits-compliance-support) - [ Data & Analytics ](https://www.risk-strategies.com/employee-benefits/data-and-analytics) - [ Human Capital Advisory Services ](https://us.bbrown.com/employee-benefits/human-capital-advisory-services) - [ International Benefits ](https://www.risk-strategies.com/employee-benefits/international-benefits) - [ Absence Management & Ancillary Programs ](https://www.risk-strategies.com/employee-benefits/absence-management-and-ancillary-program) - [ Medicare ](https://www.risk-strategies.com/medicare) - [ Voluntary & Lifestyle Benefits ](https://www.risk-strategies.com/employee-benefits/voluntary-and-lifestyle-benefits) - [ Wellness & Well-Being Solutions ](https://www.risk-strategies.com/employee-benefits/wellness-well-being-solutions) - Financial & Wealth Back to Financial & Wealth [ Financial & Wealth ](https://www.risk-strategies.com/financial-wealth/) - [ Financial & Wealth Overview ](https://www.risk-strategies.com/financial-wealth/) - [ Retirement Plan Services ](https://www.risk-strategies.com/financial-wealth/retirement-plan-services) - [ Executive Benefits ](https://www.risk-strategies.com/financial-wealth/executive-benefits) - [ Life Insurance ](https://www.risk-strategies.com/financial-wealth/life-insurance) - Private Client Services Back to Private Client Services [ Private Client Services ](https://us.bbrown.com/private-client-services) - [ Private Client Services Overview ](https://us.bbrown.com/private-client-services) - [ Homeowners ](https://www.risk-strategies.com/private-client-services/home-estate/) - [ Flood ](https://www.risk-strategies.com/private-client-services/flood-insurance) - [ Collections ](https://www.risk-strategies.com/private-client-services/collections/) - [ Umbrella & Excess Liability ](https://www.risk-strategies.com/private-client-services/umbrella-excess-liability) - [ Auto ](https://www.risk-strategies.com/private-client-services/auto) - [ Collector & Exotic Car ](https://www.risk-strategies.com/collector-car-insurance) - [ Boat & Yacht ](https://www.risk-strategies.com/private-client-services/marine-yacht/individuals) - [ Travel Medical & Trip Insurance ](https://www.risk-strategies.com/travel-medical-and-trip-insurance) - [ Family Office ](https://www.risk-strategies.com/private-client-services/family-office) - [ Cyber Insurance - Family Office ](https://www.risk-strategies.com/private-client-services/cyber-insurance-family-office) - [ Cyber Insurance - Individuals ](https://www.risk-strategies.com/private-client-services/cyber-insurance-for-individuals-families) - [ Life Insurance ](https://www.risk-strategies.com/financial-wealth/life-insurance) - [ Specialty Coverages ](https://www.risk-strategies.com/private-client-services/specialty-coverages/) - [ Private Client Risk Resource Center ](https://www.risk-strategies.com/privateclientresources) - [ Reinsurance ](https://www.risk-strategies.com/industries/healthcare/reinsurance) - Risk Management Services Back to Risk Management Services [ Risk Management Services ](https://us.bbrown.com/risk-management-services/) - [ Risk Management Services Overview ](https://us.bbrown.com/risk-management-services/) - [ Analytics ](https://www.risk-strategies.com/risk-management-services/analytics/) - [ Claims Management & Advocacy ](https://www.risk-strategies.com/risk-management-services/claims/) - [ Loss Control ](https://www.risk-strategies.com/risk-management-services/loss-control/) - [ Safety Consulting Services ](https://www.risk-strategies.com/industries/risk-management/safety-services) - [ Pro Safety Training Courses ](https://www.risk-strategies.com/pro-safety-training-course-catalog) - [ Workers’ Comp: Premium Review & Recovery ](https://www.risk-strategies.com/workers-comp-insurance-premium-review-recovery) - Consulting Back to Main [ Consulting ](https://www.risk-strategies.com/consulting) - [ Consulting Overview ](https://www.risk-strategies.com/consulting) - [ Actuarial Services ](https://www.risk-strategies.com/actuarial-services) - [ Healthcare Claim Audit Services ](https://www.risk-strategies.com/benefit-audit-services) - [ Health and Welfare ](https://www.risk-strategies.com/health-and-welfare-consulting) - [ Mergers and Acquisitions ](https://www.risk-strategies.com/mergers-and-acquisitions-consulting) - [ Pharmacy Consulting ](https://www.risk-strategies.com/pharmacy-consulting) - [ Retirement Benefits ](https://www.risk-strategies.com/retirement-plan-consulting) - News and Insights Back to Main [ News and Insights ](https://www.risk-strategies.com/insights) - [ All Insights ](https://www.risk-strategies.com/insights) - [ Blog ](https://www.risk-strategies.com/blog) - Emergency Resource Centers Back to Emergency Resource Centers [ Emergency Resource Centers ](https://www.risk-strategies.com/insights/emergency-resource-center) - [ Cybersecurity ](https://www.risk-strategies.com/insights/emergency-resource-center/cybersecurity) - [ Earthquake ](https://www.risk-strategies.com/insights/emergency-resource-center/earthquake) - [ Hurricane ](https://www.risk-strategies.com/insights/emergency-resource-center/hurricane) - [ Pandemic ](https://www.risk-strategies.com/insights/emergency-resource-center/pandemic) - [ Riot & Civil Unrest ](https://www.risk-strategies.com/insights/emergency-resource-center/riot-and-civil-unrest) - [ Severe Storms ](https://www.risk-strategies.com/insights/emergency-resource-center/severe-storms) - [ Violence & Active Shooter ](https://www.risk-strategies.com/insights/emergency-resource-center/active-assailant-and-violence) - [ Wildfire ](https://www.risk-strategies.com/insights/emergency-resource-center/wildfire) - [ Winter Weather ](https://www.risk-strategies.com/insights/emergency-resource-center/winter-weather) - [ Employee Benefits Compliance Center ](https://www.risk-strategies.com/employee-benefits-compliance/blog) - [ Events ](https://www.risk-strategies.com/events) - [ Media Coverage ](https://www.risk-strategies.com/media) - [ State of the Market Reports ](https://www.risk-strategies.com/insights/market-outlook) - [ Press Releases ](https://www.risk-strategies.com/press-releases) - [ Private Client Resources ](https://www.risk-strategies.com/privateclientresources) - [ Webinars ](https://www.risk-strategies.com/insights/webinar-resources) - Company Back to Main [ Company ](https://www.risk-strategies.com/about/) - [ About Us ](https://www.risk-strategies.com/about/) - [ Annual Report ](https://www.risk-strategies.com/annual-report) - [ Careers ](https://www.risk-strategies.com/careers/) - [ Culture and Values ](https://www.risk-strategies.com/company/core-values/) - Diversity, Equity & Inclusion Back to Diversity, Equity & Inclusion [ Diversity, Equity & Inclusion ](https://www.risk-strategies.com/company/diversity-equity-and-inclusion) - [ BeHEARD Series ](https://www.risk-strategies.com/company/diversity-equity-and-inclusion/be-heard) - [ DE&I Structure ](https://www.risk-strategies.com/company/diversity-equity-and-inclusion/structure) - [ Employee Resource Groups ](https://www.risk-strategies.com/company/diversity-equity-and-inclusion/employee-resource-groups) - [ Environmental, Social, & Governance ](https://www.risk-strategies.com/company/environmental/) - [ General Terms of Business ](https://www.risk-strategies.com/company/general-terms-of-business) - [ Leaders ](https://www.risk-strategies.com/company/leaders) - [ Local Expertise ](https://www.risk-strategies.com/company/local-expertise) - [ Mergers & Acquisitions ](https://www.risk-strategies.com/mergers-and-acquisitions/) - [ Recognition & Awards ](https://www.risk-strategies.com/company/awards) - [ Risk Strategies Foundation ](https://www.risk-strategies.com/company/risk-strategies-foundation) - Transparency and Disclosures Back to Transparency and Disclosures [ Transparency and Disclosures ](https://www.risk-strategies.com/company/transparency-and-disclosures) - [ General Terms of Business ](https://www.risk-strategies.com/company/general-terms-of-business) - [ Conflict of Interest Policy ](https://www.risk-strategies.com/company/conflict-of-interest-policy) - [ Compensation Disclosure ](https://www.risk-strategies.com/about/transparency-and-disclosures/compensation-disclosure) - [ Enterprise Risk Management ](https://www.risk-strategies.com/about/transparency-and-disclosures/enterprise-risk-management) - Join Us Back to Main [ Join Us ](https://www.risk-strategies.com/careers/) - Careers Back to Careers [ Careers ](https://www.risk-strategies.com/careers/) - [ Benefits & Wellness ](https://www.risk-strategies.com/careers/benefits-wellness) - [ Investing in Growth & Leadership ](https://www.risk-strategies.com/careers/growth-leadership-investment) - [ Life at Risk Strategies ](https://www.risk-strategies.com/careers/life/) - [ Next Steps ](https://www.risk-strategies.com/careers/next-steps) - Mergers & Acquisitions Back to Mergers & Acquisitions [ Mergers & Acquisitions ](https://www.risk-strategies.com/mergers-and-acquisitions/) - [ Partnership Benefits ](https://www.risk-strategies.com/mergers-and-acquisitions/partnership-benefits) - [ Why Join Us? ](https://www.risk-strategies.com/mergers-and-acquisitions/why-join-us) - [ Onboarding & Integration ](https://www.risk-strategies.com/mergers-and-acquisitions/onboarding-and-integration) - [ Careers ](https://www.risk-strategies.com/careers/) - [ Report a Claim ](https://www.risk-strategies.com/report-claim) - [ Contact Us ](https://www.risk-strategies.com/contact-us/) You are about to leave Risk Strategies website and view the content of an external website. You are leaving risk-strategies.com By accessing this link, you will be leaving Risk Strategies website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Risk Strategies website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Risk Strategies. OK Cancel [![Connect with Our Team](https://no-cache.hubspot.com/cta/default/20256628/f1d83adb-981f-4b85-93a6-7a46077d7309.png)](https://cta-redirect.hubspot.com/cta/redirect/20256628/f1d83adb-981f-4b85-93a6-7a46077d7309) February 15, 2024 # Biden’s Gig Worker Labor Rule: Effects on Last-Mile Delivery Businesses [ Logistics and Transportation ](https://www.risk-strategies.com/blog/tag/logistics-and-transportation) 4 min read [ Brian Jungeberg, Vice President, Transportation ](https://www.risk-strategies.com/blog/author/brian-jungeberg-vice-president-transportation) - [Facebook ](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fbidens-gig-worker-labor-rule-effects-on-last-mile-delivery-businesses) - [X (Twitter) ](https://x.com/intent/post?url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fbidens-gig-worker-labor-rule-effects-on-last-mile-delivery-businesses&text=Biden%E2%80%99s+Gig+Worker+Labor+Rule%3A+Effects+on+Last-Mile+Delivery+Businesses) - [LinkedIn ](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fbidens-gig-worker-labor-rule-effects-on-last-mile-delivery-businesses&title=Biden%E2%80%99s%20Gig%20Worker%20Labor%20Rule%3A%20Effects%20on%20Last-Mile%20Delivery%20Businesses&summary=Is+Biden%27s+new+gig+worker+rule+shaking+up+your+last-mile+delivery+business%3F+Dive+in+to+understand+the+rule%27s+impact%2C+explore+risk+management+strategies.&source=) - [Email ](mailto:?subject=Biden%E2%80%99s%20Gig%20Worker%20Labor%20Rule%3A%20Effects%20on%20Last-Mile%20Delivery%20Businesses&body=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fbidens-gig-worker-labor-rule-effects-on-last-mile-delivery-businesses) ![Biden’s Gig Worker Labor Rule: Effects on Last-Mile Delivery Businesses](https://www.risk-strategies.com/hs-fs/hubfs/Delivery%20man%20getting%20his%20deliveries%20out%20of%20van.jpg?width=640&height=300&name=Delivery%20man%20getting%20his%20deliveries%20out%20of%20van.jpg) - [Facebook ](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fbidens-gig-worker-labor-rule-effects-on-last-mile-delivery-businesses) - [X (Twitter) ](https://x.com/intent/post?url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fbidens-gig-worker-labor-rule-effects-on-last-mile-delivery-businesses&text=Biden%E2%80%99s+Gig+Worker+Labor+Rule%3A+Effects+on+Last-Mile+Delivery+Businesses) - [LinkedIn ](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fbidens-gig-worker-labor-rule-effects-on-last-mile-delivery-businesses&title=Biden%E2%80%99s%20Gig%20Worker%20Labor%20Rule%3A%20Effects%20on%20Last-Mile%20Delivery%20Businesses&summary=Is+Biden%27s+new+gig+worker+rule+shaking+up+your+last-mile+delivery+business%3F+Dive+in+to+understand+the+rule%27s+impact%2C+explore+risk+management+strategies.&source=) - [Email ](mailto:?subject=Biden%E2%80%99s%20Gig%20Worker%20Labor%20Rule%3A%20Effects%20on%20Last-Mile%20Delivery%20Businesses&body=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fbidens-gig-worker-labor-rule-effects-on-last-mile-delivery-businesses) The Biden administration [recently announced](https://clda.org/news/what-the-new-dol-independent-contractor-ruling-means-for-the-supply-chain/) a plan to redefine gig workers as employees under federal law. This has many in the last-mile industry asking, “what does this mean for me?”. While headlines might suggest a seismic shift in how you run your business, there’s no need for immediate worry – it won’t affect everyone. However, the gig worker versus employee conversation is under the spotlight for a reason. It’s a system built on a loose foundation. ## What’s the new gig worker rule? The new regulation revises the definition of an “employee” under the Fair Labor Standards Act. The redefinition tightens the criteria for independent contractor (IC) classification. This could grant employee status to some who were previously excluded as gig workers. The shift could lead to: ### Increased costs If the rule reclassifies your ICs as employees, you would be responsible for providing benefits like minimum wage, overtime pay, and healthcare benefits. ### Operational changes You might need to adjust your work model to ensure employees have more control over their schedules and tasks, potentially impacting efficiency. ### Compliance challenges Navigating the complexities of the new rule and ensuring proper worker classification could pose compliance issues, potentially requiring legal and administrative adjustments. ## Shifting business models You would have to re-evaluate your reliance on independent contractors and potentially explore alternative models, such as hiring full-time employees or partnering with different types of shipping logistics service providers. ### New rule limitations While it sounds scary, the rule has its limitations. It will only apply to some workers, hinging on a multi-pronged test that looks at factors including: ### Control How does the company exert power over the worker’s daily activity? ### Job performance How long has the worker been performing duties for the business? ### Investment How much of the worker’s resources are they putting into the job? This means many platform-based gigs like Uber or DoorDash, characterized by flexible schedules and minimal direct supervision, may still fall outside the “employee” classification. While some workers might see a shift in their status, the rest will likely remain unaffected. ## A system on red alert Despite the new rule’s exclusions, its very existence carries some weight. It represents explicit acknowledgment on the federal level of the mounting concerns surrounding the so-called “gig economy.” Once heralded for its flexibility and entrepreneurial spirit, the IC system now faces increased scrutiny. Gig workers often have precarious incomes, no benefits, and very little power to take legal action against the corporations with which they contract. Escalating insurance premiums caused by frequent claims within the sector, as well as legislative initiatives for redefining ICs as employees bubbling up at the state level, paints a picture of a system likely to face ongoing pressure for reform. ## Importance of Risk Management This new rule underscores the need for a last-mile framework that safeguards worker wellbeing. Many businesses hire ICs to save money, which can only get you so far in last-mile. Increased claim frequency and severity, compounded with [nuclear verdicts](https://www.risk-strategies.com/blog/preventing-nuclear-verdicts-in-transportation), make skimping on [safety](https://www.risk-strategies.com/blog/last-mile-delivery-winter-weather-preparation-and-safety-tips) and driver experience hazardous. Regardless of worker classification, there are things you can do now to mitigate risk and avoid costly accidents: ### Implement robust safety procedures Operational policies and procedures that enforce safety regulations are necessary. Follow up-to-date procedures to prepare drivers for all common challenges like route management and vehicle maintenance thoroughly. ### Hire good drivers Carefully assess the skills and experience of new hires, adhering to strict guidelines without exceptions. This ensures that unforeseen issues don’t appear during claims discovery by insurance adjusters. Additionally, offer competitive pay and benefits to retain top-tier drivers. ### Invest in technology Mandate four-way directional cameras and telematics to enhance driver performance. Utilize GPS for route optimization. It will boost operational efficiency and provide crucial data for overall improvement. This technology monitors driver behavior and safeguards against potential claims. ## Stay current with an insurance broker The new regulatory measures are only a modest step toward addressing systemic issues within the gig worker industry. While it may not trigger immediate changes for your business and labor force, it reveals cracks in the foundation. Work with your broker to stay current regarding the latest [last-mile](https://www.risk-strategies.com/industries/transportation/last-mile-delivery) regulations and to ensure you’re ready for anything around the bend. *Want to learn more?* Find [Bryan on LinkedIn.](https://www.linkedin.com/in/bryanpaulozzi/) Connect with the Risk Strategies Transportation team at [transportation@risk‐strategies.com](mailto:transportation@risk%E2%80%90strategies.com).  **About the author**  Bryan Paulozzi specializes in insurance and risk management for courier, last mile delivery, expediting, freight forwarding, and brokering businesses. He and his team help transportation companies identify and mitigate safety risks, including those related to winter weather driving.  The contents of this article are for general informational purposes only and Risk Strategies Company makes no representation or warranty of any kind, express or implied, regarding the accuracy or completeness of any information contained herein. Any recommendations contained herein are intended to provide insight based on currently available information for consideration and should be vetted against applicable legal and business needs before application to a specific client.  [Subscribe](https://www.risk-strategies.com/blog/bidens-gig-worker-labor-rule-effects-on-last-mile-delivery-businesses#subscribe) ### Subscribe via Email logistics-and-transportation ### Related Posts [See all posts](https://www.risk-strategies.com/blog) ![](https://www.risk-strategies.com/hs-fs/hubfs/Cardboard-boxes-loaded-in-delivery-van.jpg?width=450&height=250&name=Cardboard-boxes-loaded-in-delivery-van.jpg) [ Logistics and Transportation ](https://www.risk-strategies.com/blog/tag/logistics-and-transportation) 6 min read November 03, 2025 #### [ Understanding Final-Mile Delivery Insurance Risks and Red Flags ](https://www.risk-strategies.com/blog/understanding-final-mile-delivery-insurance-risks-red-flags) Dealing with insurance claims in the final-mile delivery sector can be complex. For instance, if a … [ Read article ](https://www.risk-strategies.com/blog/understanding-final-mile-delivery-insurance-risks-red-flags) ![](https://www.risk-strategies.com/hs-fs/hubfs/An-aerial-sunset-view-of-a-multi-lane-road-intersection.jpg?width=450&height=250&name=An-aerial-sunset-view-of-a-multi-lane-road-intersection.jpg) [ Logistics and Transportation ](https://www.risk-strategies.com/blog/tag/logistics-and-transportation) [ Future of Risk ](https://www.risk-strategies.com/blog/tag/future-of-risk) 7 min read September 30, 2025 #### [ The Future of Risk: Systemic Pressures in Logistics and Transportation ](https://www.risk-strategies.com/blog/the-future-of-risk-systemic-pressures-in-logistics-transportation) Editor’s note: This article is the fifth installment in the 2025 Future of Risk series, which … [ Read article ](https://www.risk-strategies.com/blog/the-future-of-risk-systemic-pressures-in-logistics-transportation) ![](https://www.risk-strategies.com/hs-fs/hubfs/The-truck-driver-sitting-in-the-cab-of-a-modern-comfort-and-ergonomic-semi-truck.jpg?width=450&height=250&name=The-truck-driver-sitting-in-the-cab-of-a-modern-comfort-and-ergonomic-semi-truck.jpg) [ Logistics and Transportation ](https://www.risk-strategies.com/blog/tag/logistics-and-transportation) 5 min read September 10, 2025 #### [ What You Should Know About the FMCSA MEC Integration Rule Change ](https://www.risk-strategies.com/blog/what-you-should-know-about-the-fmcsa-mec-integration-rule-change) The Federal Motor Carrier Safety Administration (FMCSA) enacted a significant change to the driver … [ Read article ](https://www.risk-strategies.com/blog/what-you-should-know-about-the-fmcsa-mec-integration-rule-change)