What Last-mile delivery insurance Requirements Apply in Washington?

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.

Washington Last-Mile Delivery Insurance Requirements

What to Watch for With Last-Mile Delivery in Washington

• Property Damage Before Acceptance Is $30,000

  The period before the driver accepts a requested ride uses $30,000 for property damage, not $25,000. A quote with $25,000 property damage is short in that window. The $1 million combined limit is the prearranged ride, and it is a different number from the underinsured-motorist requirement. ¹

• Underinsured Motorist Starts When the Passenger Gets In

  The $100,000/$300,000 underinsured motorist coverage runs from the moment a passenger enters the vehicle until the passenger exits. It is not the same window as the $1 million liability limit, which is the prearranged ride. Ask to see both periods on the quote. ¹

• The Definitions Connect Passengers

  RCW 48.177.005 defines commercial transportation services around passengers and a prearranged ride. A goods delivery is not that connection. Do not use the $1 million combined limit, or the underinsured-motorist window, as a parcel-delivery minimum. ²

Which Providers Have Documented Washington Licenses?

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 Washington?

Washington State Office of the Insurance Commissioner

The Washington State Office of the Insurance Commissioner administers Washington insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^3,4,5

Website

Regulator website

License lookup

Search licensed producers

Complaints

File a complaint

Surplus-Lines Tax and Stamping Office in Washington

Reported tax rate. 2% of premium ^6,7

The NAIC's state chart lists a 2% of premium charge for surplus-lines coverage for Washington (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

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

1. Is property damage $30,000 before the driver accepts a ride?
2. Is underinsured motorist coverage at $100,000/$300,000 from passenger entry until exit, separate from the $1 million liability limit?
3. Is the trip a passenger connection under RCW 48.177.005, or a goods delivery outside that definition?

Last-Mile Delivery Insurance in Washington: Frequently Asked Questions

Sources for Last-Mile Delivery Insurance in Washington

1. RCW 46.72B.180 Insurance that covers commercial transportation services. Washington State Legislature; subsection (1)(b). Accessed 2026-09-29.
2. RCW 48.177.005 Definitions. Washington State Legislature; commercial transportation services; passengers and prearranged ride. Accessed 2026-09-29.
3. Washington State Office of the Insurance Commissioner. Washington State Office of the Insurance Commissioner; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4. Insurance Department Directory. National Association of Insurance Commissioners; Washington State Office of the Insurance Commissioner entry; official contact and website listing. Accessed 2026-09-28.
5. Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
6. Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WA row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
7. Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9. 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.
10. 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.
11. 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.
12. 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.
13. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
14. 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.
15. 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.