Know the business. Then the risk.
Insurance built from the operation outward.
The strongest program starts with how your organization works: where people operate, what contracts require, which assets matter most, and where a disruption would hurt.
Start a conversationExposures we examine
Details change the program.
- Dense urban driving and frequent stops
- High driver turnover and MVR quality
- Leased or rented vans and contractual requirements
- Loading, lifting, and slip injuries on routes
Commonly coordinated coverages
A coverage list is not a recommendation by itself. Limits, forms, exclusions, contracts, locations, and loss experience all matter.
What we look at
Where delivery & last-mile fleets programs get specific.
Delivery service partners and contracted routes
Companies that run routes for large e-commerce platforms or regional shippers usually work under a contract that sets minimum insurance limits, certificate wording, and how leased vehicles must be insured. We start from that contract so the program meets it before renewal—not after a compliance notice. Freedom is an independent agency and is not affiliated with any delivery platform.
Commercial auto for urban fleets
New York City and other dense markets bring more frequent claims, higher liability costs, and stricter underwriting. Driver hiring standards, telematics, camera programs, and a documented safety process can all influence how carriers view a fleet.
- Owned, leased, and rented van schedules
- Hired and non-owned auto for personal vehicles used on the job
- Physical damage for leased vans when contracts require it
Workers’ compensation for drivers and helpers
Delivery work involves lifting, stairs, and constant entry and exit from vehicles. Classification, payroll accuracy, and whether drivers are employees or independent contractors all affect the policy—and misclassification can create audit and legal exposure.
Courier and gig-style drivers
Drivers using personal vehicles for courier or delivery work often find their personal auto policy excludes business use. Businesses that dispatch them may need hired and non-owned auto coverage, and owner-operators may need their own commercial policy.
Questions we hear
Frequently asked questions
What insurance do delivery service partners need?
Most review commercial auto liability, physical damage on leased vans, workers’ compensation, general liability, umbrella, and often EPLI. The exact limits usually come from the contract with the platform or shipper.
Is commercial auto more expensive in New York City?
Generally, urban fleets face higher liability costs because of traffic density and claim frequency. Driver quality, loss history, and safety controls still make a meaningful difference.
Does my personal auto policy cover delivery driving?
Many personal policies exclude or limit business delivery use. Review your policy and ask about commercial or delivery-specific coverage.
Do you insure delivery fleets outside New York?
Yes. We work with delivery and courier businesses nationwide.
A better submission
Give underwriters a clear view of the risk.
We organize the operational story, current coverage, loss information, schedules, and relevant controls before approaching appropriate markets. That helps the conversation focus on underwriting fit—not missing information.
Coverage availability, terms, conditions, exclusions, and pricing vary by insurer and underwriting. This information is general and is not a representation of coverage under any specific policy.