Insurance Services for Last Mile Delivery Services

Every Mile, Every Stop, Every Driver Adds Up to Real Exposure

Last mile delivery businesses run on volume. More stops, more drivers, more vehicles on the road every single day than most commercial operations. That volume is exactly what creates risk a standard commercial auto policy often wasn't built to handle. A single vehicle out of service is lost revenue. A single accident can involve a company driver, a personal vehicle, cargo, and a third party all at once.

Coldbrook Insurance Group has worked with last mile and delivery service operators throughout West Michigan, including companies contracted through major delivery networks and independent regional carriers. This is a segment we've paid close attention to as it's grown, and we don't hand you a generic commercial auto policy and call it done. We build coverage around your fleet size, your driver pool, and the delivery model you actually run.

As an independent agency, we're not tied to one carrier's version of a delivery fleet policy. We shop your risk across our network to find coverage that matches how your business actually operates, whether that's a handful of vehicles or a growing fleet with drivers turning over regularly. And we stay involved after the policy is signed, not just at renewal.

Coverage Built for Last Mile Delivery Businesses

Broad Core Coverage

• Commercial auto insurance for owned and leased vehicles
• General liability insurance
• Commercial property insurance
• Workers' compensation
• Umbrella liability
• Errors & Omissions
• Crime, Cyber & Management Liability

Delivery Specific Protection

• Non owned and hired auto liability, covering vehicles drivers use that the company doesn't own outright
• Cargo insurance, protecting goods in transit against loss or damage
• Fleet liability coverage structured for higher vehicle counts and frequent driver turnover
• Contingent cargo and contingent auto liability, for companies operating under contract with a larger delivery network
• Employment practices liability (EPLI), covering claims tied to a workforce that often includes a high volume of drivers

Cost Control

• Competitive rates shopped across multiple carriers rather than a single default fleet program
• Savings tied to driver screening, telematics, and documented safety programs
• Loss control and claims support that moves quickly, so a vehicle isn't sitting out of service longer than it needs to

Risks That Are Easy to Overlook

Driver turnover changes your risk profile constantly. A delivery business adding or losing drivers regularly needs a policy structured to handle that churn, not one built around a static crew.

Non owned and hired auto exposure is often underinsured. If drivers ever use a personal or rented vehicle for deliveries, that exposure needs its own coverage. A standard commercial auto policy frequently doesn't extend to it automatically.

Contract requirements from delivery networks can be more specific than owners expect. Companies operating under a larger delivery platform often have minimum coverage requirements tied to the contract, and falling short can affect the ability to keep working with that network.

Cargo liability is easy to assume is covered when it isn't. Goods in transit represent real value, and general liability alone typically doesn't address loss or damage to what's actually being delivered.

Why Work With an Independent Agency

Coldbrook is independently owned. Not a franchise, and not part of a national conglomerate that's acquired a string of local agencies. For a last mile delivery business, that means:

• We're not tied to one carrier. We shop your risk across multiple companies to find the right fit for your fleet size and delivery model.
• You get a real point of contact, not a call center, when you have a question about your policy or need to file a claim.
• We're licensed in 48 states, so if you're operating routes or expanding service areas across state lines, we can still cover you.
• We're West Michigan based and understand the pace and volume this business runs on.

Claims, Handled the Way They Should Be

If a vehicle is involved in an accident, cargo is damaged, or a driver issue comes up, you call your Coldbrook contact directly. We handle fast intake, loop in the adjuster when it helps, and keep you informed on next steps and timelines, so you can stay focused on keeping your routes running instead of chasing down claim status.

Get a Quote for Your Delivery Business

Whether you're running a handful of vehicles or a growing fleet supporting a major delivery network, we'll build coverage around how your business actually operates.