Commercial Auto Insurance

Last-Mile/Mid-Mile Insurance

As a Commercial Truck Insurance Provider, we are fully equipped to assist Last-Mile and Mid-Mile Carriers. We have an insurance solution to assist you no matter what type of carrier you are.

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Last-Mile/Mid-Mile Insurance

Who needs a Last-Mile/Mid-Mile Insurance Policy?

Last-Mile and Mid-Mile Insurance Policies can apply to a wide range of carriers and are typically built specifically for those carriers based on their business.

Much of the policy can depend on the type of products or supplies that you are delivering, which could range from medical products and supplies to food or even laundry. Ultimately, there is high risk with these types of delivery services and having the proper coverage is necessary.

Find out what coverages you need

Last-Mile Carriers:

  • Package Delivery Couriers
  • Meal Delivery
  • Home Services
  • Pet Care
  • Laundry Services
  • Grocery Delivery
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Mid-Mile Carriers:

  • Manufacturers
  • Intermodal Carriers
  • Parcel Services
  • and many more
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Last-Mile Insurance

What is Last-Mile Delivery?

Simply put, last mile delivery is the movement of goods from a transportation hub or warehouse to its final delivery destination.

This industry is booming because of the on-demand economy of getting products quickly and efficiently. These business models are constantly changing to become more innovative and can grow quickly when effective. These operations should focus on their hiring, onboarding, and training their drivers, which are dispersed throughout our neighborhoods.

What is Last-Mile Insurance?

Independent contractors are typically not covered by workers’ compensation. Because of this, uncertainties arise in regards to topics like what to do if a driver is injured or when you need to renew their compensation policies. This is where Last Mile Delivery Insurance comes into play. 

Why do you need Last-Mile Insurance?

Last-Mile Delivery Insurance provides coverage for:

  • Liability
  • Physical Damage
  • General Liability
  • Umbrella/Excess Umbrella
  • Cargo
  • Occupational Accident
  • Contingent Liability Coverage
  • Workers’ Compensation
  • Commercial General Liability
  • Cargo & Warehouse Legal Liability
  • Auto Liability/ Auto Physical Damage
  • Umbrella/Excess Liability Coverage
  • Equipment Floater
QUESTIONS?

Are you an Amazon DSP?

Have you started or plan on starting your own business as a Delivery Service Partner for Amazon?

Our Last-Mile Commercial Insurance Specialists can help get you the proper coverage. Amazon has certain requirements when it comes to joining its DSP program.

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We offer Commercial Insurance Coverage in the following states for Amazon Delivery Service Partner:

  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Iowa
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • New Jersey
  • New York
  • Nevada
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
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Mid-Mile Insurance

What is mid-Mile Delivery?

These operations mostly transport products and goods from a warehouse to a distributor or retailer. This is typically the last stop before arriving to the consumer. Other operations may pick up their goods at a port or manufacturer from overseas.

What is Mid-Mile Insurance?

Independent contractors are typically not covered by workers’ compensation. Because of this, uncertainties arise in regards to topics like what to do if a driver is injured or when you need to renew their compensation policies. This is where Mid-Mile Delivery Insurance comes into play. 

Why do you need Mid-Mile Insurance?

Mid-Mile Delivery Insurance provides coverage for:

  • Liability
  • Physical Damage
  • General Liability
  • Umbrella/Excess Umbrella
  • Cargo
  • Occupational Accident
  • Contingent Liability Coverage
  • Workers’ Compensation
  • Commercial General Liability
  • Cargo & Warehouse Legal Liability
  • Auto Liability/ Auto Physical Damage
  • Umbrella/Excess Liability Coverage
  • Equipment Floater

Commercial Auto Insurance Coverages

What Commercial Coverages do you need?

It is important to keep in mind legal requirements when obtaining trucking insurance. Commercial Truck Insurance is mandatory in all 50 states and failure to obtain coverage could cost you a lot of money in fines or even worse, your license. By law, you must have $300,000+ in auto liability and cargo coverage (which depends on what you are hauling). 

Recommended and Required Minimum Coverages

Below are some of the minimum coverage requirements and recommendations, however, we recommend talking to one of our Commercial Insurance Specialists to get specific recommendations on the coverage you need based on what you are hauling.

Liability Coverage
1 K+

Auto Liability, also known as Bodily Injury Physical Damage (BIPD), depends on the overall gross-vehicle weight (GVW) when hauling.

Under 10,001 lbs GVW = $300,000 while over 10,001 lbs GVW = $750,000

1K-200K

Physical Damage Coverage

Physical Damage is not required for Commercial Vehicle Insurance, but we do recommend it. Coverage depends on what you are driving and can range from $1000 to $200K.

Cargo Coverage
1 K+

Cargo Coverage is required by law, however the amount of coverage depends on what your trucks are hauling. Call one of our Insurance Specialists for a recommendation on minimum cargo coverage.

Customers Reviews

The guys over at CNS Insurance have the best prices compared to everyone else. Thank you guys.
Robert NievesOwner
Great insurance company! They are friendly and work with you in anyway and they get you on the road within hours.
Gustavo MendozaOwner
While shopping for insurance, Kiel was friendly & knowledgeable every step of the way in choosing a commercial insurance policy for my freight company. His communication was stellar and getting set up was easy as pie. Rates were awesome and competitive. Holly processes all of our COI requests and answers our questions in a very timely fashion. She is always helpful, prompt and attentive. We appreciate this in our industry more than words can describe because it’s so fast pace, having someone who can get you what you need expeditiously really matters. We are very pleased!
Marie AllenOwner
Miss Holly is an amazing account manager .. I just wanna say thank you for your help for the last 4yrs you guys been there for me .. I can name everybody from account to insurance and tax everyone they are very helpful team .. if you own a trucking company I will recommend CNS Insurance.
Truck AmarOwner
I was in a desperate time in my business and I really needed a breakthrough to continued to make money. Tony along with the team not only got me a great price to get my insurance they fought for me as if it was there own business. You do not find real people like that anymore and I will always remember the effort they put in to make sure I succeeded. If you want someone to get the job done these are the people you need guaranteed.
Kevin AntoineOwner
Excellent place, excellent staff, excellent communication, These guys help you out immediately when you call them. I work with Holly Turner númerouse of times and she”s been helpful and does everything immediately, I recommend CNS Insurance to anyone who needs help with insurance.
Myrian BedoyaOwner
Only started doing business with them six weeks ago but looking forward for us to have a great long term relationship. Thanks for all you do.
Miguel McKenzieOwner
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02

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After we gather all of your information we will get back to you with a detailed breakdown of your coverage and how much it will cost.

03

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Our Commercial Truck Insurance specialists are constantly working to get you the best rates, whether you are a new or existing client.

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CASE STUDY

Company A, a 9-truck carrier, approached CNS due to a problem in their operations. Their surplus lines carrier who was charging $190,000 annually for 9 trucks was canceling their liability insurance. The trucking company called CNS to see what could be done.

CNS reviewed carrier’s roadside safety, performance, driver files, loss ratio history, systems, and process. CNS analyzed the company had no losses but high BASIC SMS scores. Upon further investigation there were only two drivers that had bad records.

CNS developed hiring and qualification standards and implemented these standards within the company. The company also engaged CNS to manage their divers through drivers qualifications, monitoring drivers and training drivers.

As shown in the graph, the clients safety scores improved year after year.

As a result of the improved safety scores CNS Insurance was able to secure insurance which saved the company $100,000.00 in annual premium. The client has been a loyal CNS and CNS Insurance customer for 6 years.

We Are Your Insurance Family

We are always a phone call away.

Our customer service is unmatched and we take pride in the fact that we build lasting relationships with everyone we talk to whether you are a client or not.

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DOT Compliance? We have you covered

Risk assessment

Our DOT compliance partner, Compliance Navigation Specialist, are available with trucking compliance advice and DOT Compliance Programs that keep your company on the right track by keeping your risk low and even your insurance rates even lower.

Risk mitigating services:

Need more information?

Driver Training

Driver training and education is a very valuable resource to ensure a healthy fleet, and compliant safety practices. Our trainers can tailor our training to your specific operation.
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DOT Mock Audits

The CNS Specialists assist with all types of audits, including performing a Mock DOT Audit which analyzes your company and ensures you are prepared for a real audit when it happens.
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Driver File Management

Driver File Management is a service to manage your Driver Qualification Files (DQFs) and reduce your risk by establishing and keeping your driver files accurate, organized and diligent.
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DOT Compliance Programs

Our programs promote proactive safety, which means regularly maintaining the safety and compliance of your company, keeping you ahead of the FMCSA.
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