Coverage line

A delivery bicycle carries one parcel along the last bend toward a waiting doorstep.Illustration for The General Average

What Last-mile delivery insurance Requirements Apply in Indiana?

Indiana Code chapter 8-2.1-19.3 applies after June 30, 2024, to a delivery network company that uses a digital network to connect customers with drivers for delivery of goods. During the delivery-available period, primary liability is at least $50,000 per person, $100,000 per incident, and $50,000 property damage. During the delivery-service period it is at least $1 million per incident. The passenger-network chapter is a different rule: its property-damage floor rose from $25,000 to $50,000 after June 30, 2024, and its on-ride limit is $1 million, but that chapter is limited to transporting passengers.

What Is Last-Mile Delivery Insurance?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

Indiana Last-Mile Delivery Insurance Requirements

Requirement	Details
Delivery available period	$50,000 / $100,000 / $50,000 ³
Delivery service period	$1 million per incident ³
Passenger TNC property damage	$25,000 per incident before July 1, 2024; $50,000 after June 30, 2024 ¹

What to Watch for With Last-Mile Delivery in Indiana

Goods Delivery Has Its Own Chapter
Chapter 8-2.1-19.3 is the delivery-network insurance rule, and it applies after June 30, 2024. A food or parcel driver who is only 'available' is in the $50,000/$100,000/$50,000 period. The $1 million limit starts in the delivery-service period, not merely because a passenger-network quote uses $1 million on a ride. ³
Passenger Property Damage Rose in 2024
For a transportation network company, chapter 8-2.1-19.1 sets property damage at $25,000 per incident before July 1, 2024, and $50,000 per incident after June 30, 2024, while logged on and not on a prearranged ride. A renewal that still shows $25,000 property damage is using the expired passenger figure. ¹
Do Not Mix the Passenger Chapter into a Goods Route
The definitions treat a prearranged ride as transportation of a rider, and they put delivery of goods in the delivery-network chapter. Buying the passenger on-ride $1 million limit does not answer the delivery-available property-damage figure, which is $50,000 rather than the older $25,000 passenger amount. ^2,³

Which Last-Mile Delivery Providers Have Indiana License Records?

No provider in our research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Indiana?

Indiana Department of Insurance

The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 622-4461

Surplus-Lines Tax and Stamping Office in Indiana

Reported tax rate. 2.5% of gross premium when Indiana is the home state ^7,^8,^9,¹⁰

Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker.

Questions to Ask Before You Buy Last-Mile Delivery in Indiana

Is this fleet in the delivery-available period or the delivery-service period under chapter 8-2.1-19.3?
Does the delivery-available quote include $50,000 property damage, not the pre-July 2024 passenger figure of $25,000?
If some vehicles still carry passengers, are those units on chapter 8-2.1-19.1 instead of the delivery chapter?

Last-Mile Delivery Insurance in Indiana: Frequently Asked Questions

What liability limit does Indiana require while a delivery-network driver is performing a delivery?

$1 million per incident. Chapter 8-2.1-19.3 sets that primary limit during the delivery-service period, for policies subject to the chapter after June 30, 2024. ³

What does Indiana require before a delivery-network driver accepts a delivery?

$50,000 per person, $100,000 per incident, and $50,000 property damage. That is the delivery-available period in chapter 8-2.1-19.3. ³

Sources

18 documents, numbered as cited. Open the sources

Sources for Last-Mile Delivery Insurance in Indiana

1
Indiana Code chapter 8-2.1-19.1 Transportation network companies. Indiana General Assembly; IC 8-2.1-19.1-8. Accessed 2026-09-29.
2
Indiana Code chapter 8-2.1-17 Definitions. Indiana General Assembly; IC 8-2.1-17-5.2 through 5.7, 13.5, and 18. Accessed 2026-09-29.
3
Indiana Code chapter 8-2.1-19.3 Delivery network companies. Indiana General Assembly; IC 8-2.1-19.3-1 and 8-2.1-19.3-3. Accessed 2026-09-29.
4
Indiana Department of Insurance. Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28.
5
Company/Entity Financial Compliance. Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28.
6
Submit a Complaint Online. Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28.
7
Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance. Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28.
8
Surplus Lines Agent Licensing. Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28.
9
Guaranty Associations & Funds. National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28.
10
Guaranty Funds. Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. Accessed 2026-09-28.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
13
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
14
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
15
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
16
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
17
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
18
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.