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.

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.

Last-Mile Carriers:

  • Package Delivery Couriers
  • Meal Delivery
  • Home Services
  • Pet Care
  • Laundry Services
  • Grocery Delivery

Mid-Mile Carriers:

  • Manufacturers
  • Intermodal Carriers
  • Parcel Services
  • and many more

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

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.

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
  • North Carolina
  • Nebraska
  • New Jersey
  • New York
  • Nevada
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

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 a minimum of 750,000 in auto liability and cargo coverage (coverage depends on what your trucks are hauling). 

Recommended and Required Minimum Coverages

1 K
Auto Liability

Auto Liability, also known as Bodily Injury Physical Damage (BIPD), is required by the FMCSA at a minimum coverage of $750,000 to obtain your MC authority.

1K-200K

Physical Damage

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

1 K
Cargo

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

Customers Reviews

01

Request a quote

Before we can get you an estimate, we are going to need some information. Fill out a complete quote or quick quote to get started.

02

Get coverage

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

Start saving

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

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.

Quick Commercial Auto Insurance Quote

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