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Last-Mile Delivery: Insurance

Insuring one’s business can be more complicated than most small business owners care to admit. There are several types of insurance options most businesses must carry – General Liability and Workers’ Compensation being the most common. In the transportation and delivery industry, auto-liability and cargo policies are important to consider. For companies relying on the use of independent contractors, for some or most of their labor force, there are even more variables to consider.

Independent Contractors (ICs) are not traditionally covered by Workers’ Compensation. What do you do when an IC driver has an injury? How do the levels of insurance carried by IC drivers over their vehicles impact your insurance needs and/or premiums? When renewing your Workers’ Compensation policies, how are you defining your relationship with IC drivers?

How Can DDI Help Your Business? 

These are all great questions businesses in the transportation space must answer. Fortunately for DDI clients, we’re here to help! At DDI, we understand the ins and outs of the ever-changing world of insurance. With over 25 years of experience, our designated teams handle all insurance concerns and help in the event an IC gets injured or in an accident. 

We know this industry, thus offering you and all of our partners, peace of mind knowing they’re in good hands. Here are a few tips to help businesses utilize their insurance options for the solo-prenuer. 

Occupational Accident Insurance

All ICs who utilize our services or are DDI business partners, contractually require coverage for work-related injuries. ICs who do not have their own coverage have the opportunity to purchase an Occupational / Accident policy through DDI, to cover any work-related injuries. If an IC chooses to purchase Occupational/ Accident coverage through DDI, DDI provides added value to the IC by providing and facilitating customer and IC support when injuries occur, ensuring that ICs have everything they need for their claims to be processed quickly so they can get the medical treatment they need.

DDI Thrive

Additionally, through DDI Thrive, a program designed to offer even more benefits to partners, ICs have the ability to choose from other insurance such as health and life options. DDI strives to facilitate the best options and price to our partners for these insurance products.

Other Insurance Related Perks DDI Offers

  • Perform Insurance Carrier Audits
  • Incident / Accident Management
  • Driver / Worker Injury Assistance
  • Client Coverage Renewals
  • Corporate Insurance Renewals
  • Underwriting New Coverage

Application Process 

DDI assists their clients with all types of insurance-related tasks. We assist with the application process for new lines to ensure the portions of the application pertaining to ICs are completed correctly and compliantly. DDI goes even further by exploring different types of coverage client’s may need to mitigate risk. DDI also assists clients with audits ensuring compliance and minimizing risk.

Mostly importantly, whatever your insurance needs are, DDI is here to help! If you would like to see our Occupational Accident coverage plans, have questions about DDI’s various insurance programs, or general questions about products we provide, please contact us today –

We look forward to building, supporting and growing your business with you!