Courier & Delivery Services Insurance
Coverage recommendations, carrier options, and cost estimates for insuring courier & delivery services businesses. Built for independent agents quoting this class.
Recommended Coverages
Commercial Auto
essentialLiability, physical damage, medical payments, and uninsured motorist coverage for vehicles used in business operations. For Courier & Delivery Services businesses, key exposures include high accident frequency from daily driving. Common claims include vehicle accident during delivery. Agent note: Commercial auto is the primary coverage — personal auto policies exclude commercial deliveries
$1M combined single limit is standard; $500K minimum for most commercial operations
$1,200 - $5,000/year per vehicle for light commercial; $5,000 - $15,000+ per vehicle for heavy trucks
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. Common claims include package damage/loss claim.
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For Courier & Delivery Services businesses, key exposures include ic vs employee classification. Common claims include driver injury.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Cargo Insurance
recommendedCovers goods and freight in transit against loss, damage, or theft — essential for Courier & Delivery Services businesses transporting valuable cargo.
Varies by carrier and state
Varies by business size and risk profile
Hired & Non-Owned Auto
situationalLiability, physical damage, medical payments, and uninsured motorist coverage for vehicles used in business operations. For Courier & Delivery Services businesses, key exposures include high accident frequency from daily driving. Common claims include vehicle accident during delivery. Agent note: Commercial auto is the primary coverage — personal auto policies exclude commercial deliveries
$1M combined single limit is standard; $500K minimum for most commercial operations
$1,200 - $5,000/year per vehicle for light commercial; $5,000 - $15,000+ per vehicle for heavy trucks
Risk Profile
Physical Risk
Liability Risk
Professional Risk
Property Risk
Top Risks
- High accident frequency from daily driving
- Package damage/loss
- Time pressure creates safety risk
- IC vs employee classification
- Multi-stop route exposure
Carriers That Write Courier & Delivery Services
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$4,000 - $20,000 for businesses with $200K - $3M revenue
Key Pricing Factors
- Annual revenue ($200K - $3M is typical for this class)
- Employee count (5-30 is typical)
- Fleet size
- Annual mileage
- Delivery radius
- Vehicle types
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