Last-Mile Delivery Occupational Accident Insurance for Agents
1099 Protect's Last Mile & Install program lets independent agents place occupational accident insurance (OAI) for 1099 delivery drivers, helpers, and install crews working for DSPs, courier fleets, and final-mile carriers. Coverage runs $160–$180 per driver per month, includes up to $1,000,000 in accident medical, and binds in about 1 hour on a clean submission.
Who It Fits
DSPs & Courier Fleets
Route-based delivery operations running 1099 drivers and helpers, including sedans and cargo vans.
Furniture & Appliance Install
Crews who deliver and install inside customers' homes. Coverage includes injuries during loading, unloading, and installation.
Peak-Season Rosters
Operators who add and drop drivers fast. Enroll new drivers the day they onboard and remove them when they roll off.
Coverage Tiers (Per Driver or Helper, Per Month)
Select Plus — $160
$500,000 accident medical, $500,000 accidental death, $500/week disability, $0 medical deductible.
Select Elite — $180
$1,000,000 accident medical, $500,000 accidental death, $1,000/week disability, $0 medical deductible.
How Placement Works
One Account Application
The operator completes one master application that sets up the fleet, billing, and limits.
Phone-First Driver Enrollment
Drivers enroll on a short mobile form and e-sign. No chasing paper.
1-Hour Turnaround
Clean submissions bind in about an hour.
Pay-As-You-Go Billing
Monthly per-driver billing with add/delete as the roster changes, and the 3% card or ACH processing fee can be passed to the insured.
The Conversation With Your Delivery Client
The gap
Commercial auto and general liability don't pay for a 1099 driver's own injury. When an uncovered driver gets hurt on a route or during an install, the operator is the first place they look.
The documentation
Each driver carrying OAI in their own name documents that they operate as independent businesses. It does not guarantee an audit outcome, but it strengthens the operator's independent-contractor file and helps meet platform contractor-insurance requirements.
Not Workers' Comp
Workers' Compensation covers W-2 employees. OAI covers 1099 independent contractors. They are legally distinct products for legally distinct workforces.
Placing a Last-Mile Account?
Book a short call with Richard Sturm, Program Administrator, to walk through appetite, limits, and appointment.