Grandbay Financial Services
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Transportation · Last-Mile Delivery

Insurance for Last-Mile Delivery Operations

Last-mile delivery is the fastest-growing and most liability-intensive segment of commercial transportation — with high-frequency urban deliveries, independent contractor drivers, and the complex insurance requirements of e-commerce and retail fulfillment contracts. Whether you operate a delivery service provider (DSP) for Amazon, a courier network, or an independent last-mile operation, Grandbay places programs that address the unique risks of last-mile delivery.

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Who We Serve
Amazon DSPsE-Commerce FulfillmentCourier ServicesSame-Day DeliveryGrocery DeliveryPharmacy DeliveryIndependent Delivery Contractors
Specialized Coverage

Purpose-Built Programs for Last-Mile Delivery

Last-mile delivery is the fastest-growing and most liability-intensive segment of commercial transportation — with high-frequency urban deliveries, independent contractor drivers, and the complex insurance requirements of e-commerce and retail fulfillment contracts. Whether you operate a delivery service provider (DSP) for Amazon, a courier network, or an independent last-mile operation, Grandbay places programs that address the unique risks of last-mile delivery.

Why Grandbay
Last-mile delivery insurance specialists
Amazon DSP program expertise
Hired & non-owned auto coverage
Independent contractor programs
Package liability coverage
E-commerce contract compliance
A-rated last-mile carriers
Coverage Programs

What We Cover

Commercial Auto Liability

Primary liability coverage for last-mile delivery vehicles, including vans, cargo vehicles, and electric delivery vehicles.

Hired & Non-Owned Auto

Coverage for independent contractor drivers using personal vehicles for last-mile delivery operations.

Physical Damage

Coverage for delivery vehicles against accident damage, theft, and weather events.

Cargo / Package Liability

Coverage for packages and parcels in your care, custody, and control against loss, damage, and theft.

Workers Compensation

Coverage for employed delivery drivers, with independent contractor classification guidance.

General Liability

Premises and operations coverage for delivery operations, including property damage during delivery.

Risk Advisory

Key Exposures We Address

Last-Mile Delivery operations carry distinct risks that require specialized coverage strategies. Our team identifies and mitigates the exposures most likely to impact your business.

01
Urban Delivery Accidents
High-frequency urban deliveries create elevated accident exposure from congestion, cyclists, pedestrians, and double-parking.
02
Package Theft & Loss
Package theft and misdelivery create significant cargo liability exposure for last-mile operators.
03
Independent Contractor Classification
Last-mile operators using independent contractors face significant workers compensation and employment classification exposure.
04
E-Commerce Contract Requirements
Amazon DSP and e-commerce fulfillment contracts impose strict insurance requirements on last-mile operators.
05
Property Damage During Delivery
Delivery drivers who damage customer property during delivery create significant general liability exposure.
06
Driver Theft & Dishonesty
Package theft by delivery drivers creates significant cargo and crime liability exposure for last-mile operators.
Get Protected

Ready to Protect Your Last-Mile Delivery Operation?

Our specialists are ready to design a program tailored specifically to your operations, exposures, and growth objectives.

Get a Last-Mile Delivery Quote 1 (888) 676.4902