PARCEL DELIVERY INSURANCE
Frequent stops, changing driver rosters, vehicle schedules, and delivery agreements shape these accounts. BLIS reviews the current contract, fleet, drivers, payroll, route territory, and loss history before preparing a commercial auto and supporting-lines submission.
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 certificateGet Started
Complete the required contact fields and a few business details. A licensed BLIS representative will review the request.
We only use this information to review your insurance request. BLIS is licensed in California, Nevada, Arizona, Texas, Florida. CA License 0M74955.
Submitting this form does not bind coverage and does not promise a specific quote, price, or coverage outcome. BLIS reviews submitted details and may follow up for information needed to evaluate the account.
Sector overview
Route density sets claim frequency in parcel delivery. Vehicle count, driver classification, delivery contracts, cargo type — each shapes the account. What you haul, who drives, what your contract specifies: the first three questions every carrier asks. We read the roster before the market does.
Commercial auto liability is the foundation. Delivery vans log far more annual mileage than most commercial fleets. Stop-and-go city routes, curbside loading, residential-street driving — carriers price that nothing like long-haul. Contract limits often clear state minimums. Read what the delivery agreement demands, not the legal floor.
Driver classification is the pivot. W-2 employees and independent contractors change workers comp eligibility, occupational accident applicability, and how a carrier reads the account. Turnover runs high here. Carriers underwrite the roster, not just the vans — keep the driver list current and pull MVRs on new hires.
Cargo here is lighter than freight — packages, not pallets — but volume pushes claim frequency up. Know what your contract requires for cargo liability, and how it meshes with the auto policy. Gaps between contract terms and actual coverage surface fast when nobody checks before dispatch.
Occupational accident applies to operations running independent contractor drivers. It is not workers comp and does not satisfy state requirements for employees. The right form turns on driver classification and contract terms.
BLIS organizes the account, matches carrier fit by fleet size and driver structure, and carries the certificate workflow active delivery contracts generate.
Trades we cover
Choose the operation closest to yours for the exposures, underwriting details, and documents that usually matter at quote time.
Commercial auto, occupational accident, and cargo built around the exposure and limit structures Amazon Delivery Service Partner programs commonly require.
FedEx Ground independent service providers — commercial auto, cargo, occupational accident, and the certificate demands contracted ground routes carry.
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 lines to evaluate, not a preset package. Operations, current contracts, state requirements, and carrier policy forms determine what belongs in the final program.
The primary exposure in parcel delivery is vehicle-related. High daily mileage, frequent stops, residential street environments, and rotating drivers all factor into how carriers price commercial auto here. Delivery contracts often require limits above state minimums. Verify what your contract specifies before you structure the account — limit gaps show up at claim time, not before.
Vans logging 50,000-plus miles a year face higher physical damage frequency than low-utilization fleets. Comprehensive and collision protect the vehicle itself — cargo and third-party liability need separate lines. Lenders on financed vehicles typically require physical damage. For older, fully depreciated vehicles, compare replacement value against the cost of coverage at renewal.
Cargo coverage addresses loss or damage to packages in transit — theft, vehicle accident, weather, and other covered perils depending on the form. Your delivery contract specifies the required cargo liability level. Understanding how cargo and auto coverage interact helps you avoid situations where a damaged shipment falls outside the policy responding to the accident that caused it.
Operations using independent contractor drivers often use occupational accident coverage for those drivers' bodily injury exposure. Occupational accident is not workers comp and does not satisfy state requirements for employees. The right form depends on driver classification and what the contract requires. Applying occupational accident to a driver who should be on workers comp creates a gap, not coverage.
If you have W-2 driver employees, workers comp is required in most states once you cross the employee threshold. Driver class codes in delivery reflect the injury patterns of the work — vehicle loading, repetitive motion, and slip-and-fall at delivery locations are among the most common claims. Accurate payroll allocation and class code assignment at policy inception helps avoid audit adjustments at year-end.
GL covers bodily injury and property damage from non-auto operations — slip-and-fall at a delivery location, property damage during package handling, and loading/unloading activity the auto policy doesn't cover. Many delivery contracts require GL in addition to commercial auto. The two lines address different losses and don't substitute for each other.
Illustrative scenarios
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 at an intersection and collides with an oncoming vehicle. The other driver sustains injuries and vehicle damage. The delivery operation's commercial auto liability policy can respond to the third-party claim, subject to the policy limits. If the limits in the delivery contract exceed the auto policy limits, that gap is not covered.
Verifying auto limits match contract requirements before routes begin — not after a loss — is where that alignment happens.
Example scenario: A contractor driver slips on an icy walkway while carrying a package and sustains a back injury. The delivery operation has occupational accident coverage for its contractor drivers. The policy can respond to medical costs and lost income, subject to its terms — and subject to the driver being correctly classified as an independent contractor.
If the driver's classification doesn't match how the occupational accident policy defines eligibility, the coverage may not respond as expected. Knowing what the policy requires before drivers start work keeps the coverage applicable.
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 you bind
A certificate summarizes policy information; it does not create or change coverage. The policy and carrier-issued endorsements control.
FAQ
Workers comp is state-regulated, covers employees, and is required in most states once you have any. Occupational accident is a separate product for independent contractor drivers. It can pay medical costs and lost income, but it is not workers comp and does not satisfy state employee requirements. Driver classification decides which you need. Apply occupational accident to a driver who belongs on workers comp and you have a gap, not coverage.
Delivery contracts often set specific commercial auto limits as a condition of running the route, and those limits can top what state law requires. Carry less than the contract specifies and you may be out of compliance — and any claim above your limit is yours to absorb. Matching auto limits to contract terms is a standard step in structuring the account.
Carriers underwrite the roster, not just the vans. Adding drivers with MVR issues or thin commercial experience after binding can hit both eligibility and renewal pricing. Some markets want every driver submitted and approved before they operate. Keep the list current, pull MVRs before new drivers start, and report roster changes promptly.
Generally, no. Commercial auto answers for third-party injury, property damage, and damage to the vehicle — not the contents aboard. Cargo coverage — sometimes called package liability or inland marine — is a separate product for what you carry. Whether you need it, and at what limit, turns on your delivery contract. Some operations buy it; others run under contracts where the platform or shipper holds that risk.
Carriers want vehicle count and type, driver count and classification, and a driver list with names and dates of birth for MVR review. They also ask for operating radius, delivery-contract insurance requirements, three to five years of loss history, and annual mileage. Organize it before you submit, and the follow-up shrinks.
Tell us how you operate and what you need reviewed. We'll identify the information required for a submission or policy-service request.
Coverage availability, pricing, terms, conditions, and eligibility depend on underwriting, carrier guidelines, state, operations, loss history, policy terms, and other risk-specific factors. Nothing on this site guarantees coverage, pricing, placement, 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.
