PARCEL DELIVERY INSURANCE
Keep routes moving while protecting vehicles, drivers, packages, and the contracts behind the operation. BLIS helps parcel-delivery owners review the current agreement, fleet, workforce, territory, and prior losses so the coverage reflects how the business actually runs.
Certificates
Delivery contract documents
Send the current insurance requirements. BLIS can compare them with the policy and request carrier-approved certificates or endorsements where available.
Email us for a certificateStart here
Share your contact information and a few basics about your business. A licensed BLIS representative will review your request.
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Submitting this request does not bind coverage or guarantee a quote. BLIS is licensed in California, Nevada, Arizona, Texas, Florida. CA License 0M74955.
Sending this form does not start coverage or guarantee a quote, price, or coverage result. BLIS will review what you send and may ask for a few more details before discussing available options.
Your business
Parcel delivery businesses run on frequent stops, dependable vehicles, changing driver rosters, and customer or platform agreements. What you deliver, who drives, and what the contract requires should guide the insurance review.
Commercial auto liability is the foundation because delivery vans spend long days in stop-and-go traffic, at curbs, in parking lots, and on residential streets. Contract limits may be higher than state minimums, so the current delivery agreement matters.
How drivers are classified affects employee protection. W-2 employees are generally addressed through workers’ compensation requirements, while occupational accident may be relevant for qualifying independent contractors. Keeping the roster current and screening new drivers also helps owners manage fleet safety.
Packages may be smaller than traditional freight, but a high volume of deliveries can still create frequent loss or damage. Cargo or package-liability terms should be compared with the delivery agreement and commercial auto policy before routes begin.
Occupational accident is not a substitute for workers’ compensation and generally does not satisfy employee requirements. The correct approach depends on the worker relationship, state law, policy terms, and contract.
BLIS helps you review vehicles, drivers, payroll, routes, cargo, prior losses, and required documents together so the insurance process supports the operation instead of distracting from it.
Businesses we help
Choose the business type closest to yours to see the everyday risks, coverage choices, and information that may matter when you request a quote.
Commercial auto, workers’ compensation or occupational accident where appropriate, cargo, and contract-document review for Delivery Service Partner operations.
Commercial auto, cargo, employee or contractor-driver protection, and certificate support for contracted ground-route businesses.
Auto liability, cargo, and GL for last-mile fleets serving retail, e-commerce, and commercial shippers across urban and suburban routes.
Commercial auto, physical damage, and GL for delivery van fleets — from a handful of vehicles to larger multi-van accounts.
Coverage
These are common coverages to consider, not a one-size-fits-all package. What makes sense depends on how you operate, your contracts, state requirements, and the policy options available.
Commercial auto liability can address covered injury or property damage caused by a delivery vehicle. Daily mileage, frequent stops, residential streets, and changing drivers all matter. Because delivery agreements may require limits above state minimums, review the current contract before routes begin.
Comprehensive and collision can protect covered vans against damage to the vehicle itself; cargo and third-party liability require separate protection. Lenders commonly require physical damage on financed vehicles. For older vans, owners can compare current value, policy terms, deductible, and cost during the renewal review.
Cargo or package-liability coverage can address covered loss or damage to items in transit, including certain theft, accident, or weather events depending on the policy. The delivery agreement may set a required limit. Reviewing cargo and auto together helps clarify which policy may respond when both a van and its packages are damaged.
Occupational accident may provide specified benefits for qualifying independent contractor drivers who are hurt while working. It is not workers’ compensation and does not satisfy employee requirements. The right approach depends on worker classification, state law, contract terms, and policy eligibility.
Workers’ compensation helps address covered medical costs and lost wages when an employee is hurt on the job and is required in many situations under state law. Delivery injuries can happen while loading, lifting, or walking at customer locations as well as in vehicle accidents. Accurate payroll and job-duty records can make audits easier to manage.
General liability can address covered injury or property damage arising from non-driving operations, such as certain package-handling or premises incidents. Many delivery contracts require it in addition to commercial auto because each policy addresses different situations.
Coverage examples
A few situations to make coverage concrete. These are illustrations only — not actual claims, and not a guarantee of any coverage outcome.
Example scenario: A delivery van driver turns left and collides with an oncoming vehicle, causing injuries and vehicle damage. Commercial auto liability may respond to the covered third-party claim, subject to its limits and terms. Comparing the policy limits with the delivery agreement before routes begin can help identify a contract mismatch early.
Example scenario: A contractor driver slips while carrying a package and suffers a back injury. Occupational accident may provide specified benefits if the driver qualifies under the policy. Because it is not workers’ compensation, owners should review worker classification, state requirements, contract terms, and policy eligibility before drivers begin work.
The claim scenarios above are illustrative examples only. They do not represent actual clients, actual claims, or guaranteed coverage outcomes. Coverage for any specific situation depends on the policy terms, conditions, exclusions, and the facts of the claim.
After coverage starts
Once coverage is in place, BLIS can help with certificates and policy changes. A certificate only summarizes policy information; the policy and insurer-issued endorsements determine the actual coverage.
FAQ
Workers’ compensation is state-regulated protection for employees and is required in many situations. Occupational accident is a separate product that may provide listed benefits for qualifying independent contractor drivers. It does not replace workers’ compensation or satisfy employee requirements, so classification and state law should be reviewed carefully.
Delivery contracts often require commercial auto limits above the state minimum. Carrying less than the contract requires can put the business out of compliance and leave it responsible for losses above the policy limit. Compare the contract with the policy before starting the route.
A new driver’s record and experience can affect the options and cost for the whole fleet. Some insurers require drivers to be reported or approved before operating a covered vehicle. Keeping the roster current, checking motor-vehicle records with proper authorization, and reporting changes promptly can help avoid coverage and renewal problems.
Generally, no. Commercial auto covers certain third-party injuries, property damage, and insured vehicle damage, but not the packages inside. Cargo coverage is separate protection for what you carry. Your contract helps determine whether you need it and at what limit. In some arrangements, the platform or shipper may retain that responsibility.
Start with the vehicle schedule, driver roster and worker classification, operating territory, annual mileage, current delivery-contract requirements, and available loss history. Having those records together reduces back-and-forth and helps the review reflect the fleet you are actually operating.
Tell us how your business works and what you want help with. We'll review what you share and let you know what else may be needed.
Coverage availability, pricing, terms, conditions, limits, and eligibility depend on the insurer, state, details of the business, claims history, and policy terms. Nothing on this site guarantees coverage, pricing, approval, or savings.
Illustrative claim scenarios are examples only and do not represent specific claims, predicted outcomes, or coverage guarantees. Whether a specific claim is covered depends on the policy terms, conditions, exclusions, and the facts of the specific situation.
Blue Lagoon Insurance Services, LLC is an independent insurance agency and is not affiliated with Amazon, FedEx, UPS, or any other parcel delivery platform.
