Looking for Delivery Insurance?
Protect your delivery business from vehicle accidents, package damage, theft, and liability claims. Harper provides insurance for courier services, last-mile delivery companies, food delivery operators, and specialized transport businesses, with fast certificates for platforms, clients, and partners.
What is Delivery Insurance?
Delivery insurance protects courier and transport businesses against risks including vehicle accidents, damaged or lost packages, third-party injuries, and cargo theft. Coverage commonly includes commercial auto liability, cargo protection, and general liability. Delivery platforms, corporate clients, and municipalities often require proof of insurance before onboarding, contracting, or licensing delivery services.
Commercial Auto Coverage
Covers vehicle accidents, bodily injury, and property damage arising from delivery vehicles used for business purposes.
Cargo Protection
Protects packages, goods, or materials in your care during pickup, transport, and delivery, including loss or damage.
General Liability
Covers third-party injuries or property damage occurring during delivery operations, loading, or unloading.
Certificates
Fast proof of insurance for delivery platforms, clients, warehouses, and business partners.
Who Needs Delivery Insurance?
- Courier and messenger services : Businesses requiring specialized insurance coverage
- Food delivery drivers and companies : Businesses requiring specialized insurance coverage
- Last-mile delivery operators : Businesses requiring specialized insurance coverage
- Medical and specialty delivery services : Businesses requiring specialized insurance coverage
Why Harper?
Delivery & Courier Expertise
Delivery businesses face constant exposure on the road and at customer locations. Harper understands the risks associated with vehicle use, cargo handling, tight delivery windows, and platform requirements and offers coverage designed for real-world delivery operations.
Fast Proof for Platforms & Clients
Delivery platforms and corporate clients often require insurance documentation before onboarding or contract approval. Harper delivers accurate certificates quickly to keep drivers active and contracts moving.
Clear, Practical Guidance
We explain commercial auto, cargo, and general liability coverage in clear terms so you understand how it applies to your vehicles, goods, and delivery responsibilities.
Coverage Matched to Your Services
Whether you deliver packages, food, medical supplies, or specialized goods, Harper helps align coverage with how and where your delivery business operates.
Frequently Asked Questions
What insurance do delivery businesses need?
Most delivery businesses need commercial auto liability to cover vehicle-related accidents, cargo coverage to protect goods in transit, and general liability to cover third-party injuries or property damage. Workers' compensation is required in most states if you have employees.
Is delivery insurance required?
In many cases, yes. Delivery platforms commonly require commercial auto and general liability coverage before onboarding drivers. Corporate clients often require cargo insurance, and states require appropriate commercial auto coverage for vehicles used for business purposes.
How much does delivery insurance cost?
Costs vary based on vehicle type, driving radius, cargo value, and fleet size. Solo drivers may pay $2,000–$5,000 annually, while fleet operations and higher-risk deliveries often range from $5,000 to $20,000 or more.
Does insurance cover package damage or loss?
Cargo coverage may protect packages that are damaged, stolen, or lost during transport, provided proper handling procedures were followed and the loss falls within policy terms.
Does insurance cover vehicle accidents during deliveries?
Commercial auto liability coverage applies to accidents that occur while vehicles are being used for delivery operations, subject to driver eligibility and policy conditions.
Can I add clients or platforms as additional insureds?
Yes. Many delivery contracts and platforms require that we be added as additional insureds. Harper assists with certificates and endorsements to quickly meet onboarding and compliance requirements.