Auto liability & physical damage
Coverage for trucks, vans, and vehicles used in delivery.
Insurance that understands the last mile
Delivering furniture, appliances, and other heavy goods into homes is nothing like long‑haul trucking. This program was built specifically for last‑mile 3PLs and independent contractors—so you get coverage that matches the way you actually operate.
Why companies switch to us
- Fills gaps in standard parcel‑carrier policies for threshold damage and installation risk.
- Consolidates corporate & contractor insurance under one risk‑purchasing group.
- Simplifies billing with weekly or monthly plans tied to revenue flows.
Who this program is built for
- 3PL aggregators contracting independent drivers for in‑home heavy deliveries.
- Operations across all 48 states (Long‑Haul questionnaire required for routes over 300 mi).
- Fleets of 5–150 power units with clean loss ratios (≤ 55%).
- Written carrier agreements & safety/data‑sharing protocols in place.
Coverage that actually fits what you do
Cargo & warehouse legal liability
Keeps goods protected in transit and at storage points.
Commercial & general liability
Protects you and your contractors from third‑party claims.
Work injury coverage
OCAC and Workers’ Comp options available in all states.
Umbrella & excess liability
Extra protection to meet shipper and contract demands.
Equipment floater
Tools, equipment, and leased units covered.
Contingent liability for contractors
Fills gaps left by uninsured or underinsured third‑party drivers.
More than just insurance
- Physical damage deductible options for fleets with 5+ vehicles
- Gen‑Z Young Driver Insurance Program
- Hospital indemnity, dental, vision, life & disability coverage
- Telemedicine and prescription savings included
- Contractor driver portal to make admin easy
- Deductible bill‑plan options that ease cashflow
Resources
Ready to protect your last mile?
Send us your info for a quick quote — most submissions turned around in 48 hours.