Insurance Products Designed to Address your Coverage Needs, Including Industry Requirements

Common coverage needs for Last Mile Delivery Operators include Commercial Auto, Cargo Liability, General Liability and Workers’ Compensation. Aon has chosen Vanliner Insurance Company, an A.M. Best “A+” (Superior) rated insurer , to bring Last Mile Operators competitive insurance options to help improve their business outcomes. The coverages shown below are intended to cover your business needs as your revenue and team grow. You should periodically evaluate your coverage needs based on your business operations.

Commercial Auto

Provides coverage for physical damage claims such as collisions, fire, theft and flood; and for bodily injury and property damage losses that you are held responsible for when using a company vehicle.

Coverages & Limits - flexible limit options to meet your business needs and contractual requirements

General Liability

Offers coverage for the harm you may cause to others; this includes bodily injury, property damage, personal injury, and advertising injury.

Bodily Injury and Property Damage: covers claims you are held responsible for involving your premises, operations and products.

Personal Injury: covers personal injury lawsuits involving allegations of libel, slander, false arrest, and invasion of privacy.

Coverage & Limits

Bodily Injury and Property Damage -- $1,000,000 per occurrence/$2,000,000 aggregate
Personal and Advertising Injury -- $1,000,000 per occurrence/$2,000,000 aggregate
Medical Payments -- $5,000

Cargo Liability

Coverage for liability of loss or damage to good under transport

Workers’ Compensation

Provides your employees with medical and partial wage loss coverage for work-related injuries and illnesses. Benefits vary by state.

Part One: Workers’ Compensation Coverage -- Statutory Benefits
Part Two: Employer’s Liability Insurance -- $1,000,000

Employer’s Liability: covers lawsuits by employees alleging their employer’s reckless or intentional action caused their injury or illness.

Additional Insurance

Aon offers a wide range of additional commercial insurance for your coverage needs. The following are a few of the most commonly requested policies by Last Mile operators.

Property Insurance -- Protection for business personal property
Inland Marine -- Protection for mobile equipment
Employment Practices Liability -- Protection against claims made by employees alleging discrimination, wrongful termination, harassment, etc.