Delivery Network Company Insurance Coverage Checklist
The coverages a delivery network company business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for delivery and courier platforms. Priorities reflect typical exposure; confirm against markets and courier mix.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Delivery Auto Program (Periods 1-3) | Covers couriers in cars from app-on through delivery — delivery-only platforms may fall outside TNC statutes. | Core | |
| Micromobility Liability | Covers couriers on e-bikes and scooters, which commercial auto often excludes. | Prevalent | |
| General Liability | Covers the company's own operations and injuries at delivery locations. | Core | |
| Cargo / Goods in Transit | Covers damaged, spoiled, or lost orders. | Situational | |
| Excess / Umbrella | Adds limits above the delivery program. | Prevalent | |
| Cyber Liability | Covers customer, courier, and payment data. | Prevalent | |
| Employment Practices | Covers employment claims — misclassification and wage claims are often excluded. | Situational | |
| Workers' Compensation | Covers the company's own employees; contractor couriers may need occupational accident coverage. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is micromobility. Commercial auto policies often don't cover couriers on e-bikes or scooters, and battery fires can reach the platform directly when it supplies or requires the equipment — New York City recorded 268 battery fires in 2023. Platforms should place micromobility as its own coverage part and require UL-certified devices and batteries.
Send us the checklist and we'll review your delivery network company coverage line by line, then market it across multiple carriers that compete for your account.
Related: Delivery Network Company Insurance · Delivery Network Company Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a delivery network company business need?
The core coverages for a delivery network company business are Delivery Auto Program (Periods 1-3), General Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my delivery network company coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.