Last Mile & Final Mile Delivery Insurance Solutions

Why last mile & final mile insurance matters for delivery businesses

Every delivery counts. But the last mile and increasingly, the final mile comes with unique risks that can impact your bottom line. Whether you manage a small courier fleet or oversee large-scale logistics operations, having the right insurance safeguards your drivers, vehicles, and cargo when it matters most.

At Risk Strategies, we specialize in last mile and final mile delivery insurance programs built exclusively for delivery and logistics businesses. Drawing on our deep industry experience, we deliver flexible, scalable coverage backed by AM Best A-rated carriers.

Rising risks in last mile and final mile logistics

From package theft to liability accidents, today’s delivery landscape presents more challenges than ever. A single incident — such as a driver auto incident and/or injury, lost cargo, or on-premises accident — can cost thousands. Delivery insurance helps protect your fleet, contractors, and business reputation from these financial risks.

Who needs last mile & final mile delivery coverage?

• Small fleets with both asset and non-asset exposure: Courier owners balancing multiple roles (operations, HR, accounting) who need reliable, budget-friendly coverage that encompasses liabilities from their fleet assets as well as exposures derived from independent contractor drivers.
• Large fleets & enterprises: CFOs and risk managers focused on cost savings, compliance, and reducing liability exposure wherever possible.
• Gig and e-commerce providers: Businesses leveraging 1099 drivers, as well as e-bikes, by utilizing app-based platforms to deliver timely merchandise to the end consumers.

Tailored insurance options for your delivery operations

Fleet auto liability & physical damage

Protects owned, leased, and long term rented vehicles with scalable options — including coverage options for courier vans, delivery trucks as well as tractors. Coverage enhancements can include up to $2M in primary coverage limits with programs offerings encompassing flat rated annual premiums as well as pay as you go mileage/trip usage platforms.

Cargo loss, theft & warehouse liability

Covers motor truck cargo, including protection against theft, including first party theft/dishonesty, spoilage, and cyber hijacking from potential cyber related breaches.

General liability and on-premises protection

From crossing the customer’s threshold to assembling goods indoors, this coverage ensures your business is protected where accidents can happen.

Hired & non-owned auto liability (HNOA)

Ideal for businesses using rental fleets as well as 1099 subcontractor drivers. With flexible, pay-as-you-go reporting, you only pay for the coverage you need.

Additional insurance coverages

• Workers’ compensation: Protects your employees from the financial impact of work-related injuries or illnesses. For delivery businesses, workers’ compensation covers medical expenses, lost wages, and rehabilitation.
• Occupational accident for 1099 drivers / contingent liability: Provides medical and disability benefits for independent contractors injured on the job. Contingent liability coverage helps protect businesses from potential legal challenges around driver classification.
• Errors & omissions (E&O) for specialized deliveries: Covers claims of negligence, mistakes, or delays that may cause financial harm to clients. This ensures specialized deliveries — such as medical or high-value cargo — are backed by strong risk protection.
• Crime insurance & employee dishonesty: Protects against losses from theft, fraud, or dishonest acts committed by employees or contractors. Critical for businesses handling high-value goods and sensitive deliveries.
• Umbrella and excess liability towers: Provides higher liability limits above your existing policies, ensuring protection against catastrophic losses that exceed standard coverage.
• While under dispatch auto insurance: Designed for the gig economy, this coverage protects independent drivers while actively engaged in a delivery. It fills the gaps where personal auto insurance may not apply.

Why choose Risk Strategies for last mile & final mile insurance?

With so many options in the market, why do delivery businesses — from startups to national fleets — trust Risk Strategies?

• Specialty logistics & risk management experience
• AM best A-rated carriers  
• Flexible, scalable, & exclusive programs that grow with your business
• Dedicated full-service support team with vast experience in the last & final mile delivery segment

Trusted industry connections

With active memberships in leading trade associations, including AEMCA, CLDA, ECA, NDHA, TEANA and we stay ahead of regulatory changes and evolving risks.

A trusted insurance partner for last mile & final mile success

Schedule a consultation with one of our specialists to secure coverage for your drivers, vehicles, and cargo.

If you prefer, you can also email us at: b3@risk-strategies.com.