Industry / Last-Mile Delivery

App-based and contract delivery, underwritten by exposure.

Parcel, messenger, and last-mile fleets get lumped under a blanket trucking code by carriers who don't differentiate the operation. We class-code by what the driver actually does — parcel/messenger vs. driver NOC — across mixed cargo van, box truck, and personal-vehicle fleets.

7198 CA · 7231 · 7380

Class Codes

Multi-State

20–35%

Avg. WC Premium Saved

Both Supported

1099 / W-2

What we solve in last-mile

Carriers treating app-based and contract delivery as one undifferentiated risk
1099 driver reclassification exposure (AB5, FAAAA, DOL final rule)
Mixed fleets — cargo van, box truck, and personal-vehicle drivers under one code
COI demands from shippers and platforms before the first route
Multi-state nexus and registration as routes cross jurisdictions

What's included

WC class-coded by actual operation — parcel/messenger vs. driver NOC, not a blanket trucking code
Pay-as-you-go billing tied to settled routes or hours
Same-day COI issuance by shipper, platform, or job
Driver onboarding with I-9, E-Verify, MVR monitoring, and drug testing
Settlement processing and 1099 / W-2 classification support

Industry-Specific Support

Last-mile claims are time-sensitive. Report immediately to protect your fleet and your platform standing.

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