Last Mile Logistics
Insurance Solutions That Deliver
The final mile is the most complex – and the most critical.
Champion Risk designs insurance programs for 3PLs and last mile delivery aggregators who rely on independent contractors to deliver heavy goods directly into homes. We help logistics partners reduce friction, control costs, and stay protected every step of the way.
Insurance Solutions Built for the Last Mile
Built for aggregators. Backed by experience. Designed to scale.
- Individually issued comprehensive insurance policies
- Individual contractor insurance selection
- Large, financially superior insurance company (AM Best Rated “A-” Excellent)
- Monthly/weekly bill pay plan for both corporate and contractor
- Custom-designed online insurance administration tool
- Group buying power for auto and umbrella liability insurance through a risk purchasing group
- Bilingual onboarding & customer service platform
- Dedicated claims team for logistics industry
- Real time claims integration of Cause & Loss that drives education
- Claims deductible bill plan options
Whether you manage a national delivery network or a regional fleet, we tailor insurance solutions that support your contractors, your compliance needs, and your customer experience.
Lines of Coverage
Occupational Accident & Contingent
Liability – Protects 1099 contractors in line with federal and state
requirements.
Workers’ Compensation – Coverage options for entities using W-2 drivers or mixed models.
Auto Liability & Physical Damage – Protects vehicles under contract, including fleets and single units.
Cargo & Warehouse Legal Liability – Covers goods in transit and at rest.
Commercial General Liability – Protects your business from third-party injury or property damage claims.
Umbrella/Excess Liability – Additional protection for high-risk exposures.
Equipment Floater – Covers mobile equipment used by contractors.
Core Services
Our knowledge extends far beyond standard commercial insurance products. We believe in a comprehensive, full-service approach to insurance placement and our account management responsibilities.
- Individually Issued Policies – Contractors can select and manage their own coverage within your program guidelines.
- Bilingual Onboarding & Support – Simplified onboarding for English and Spanish-speaking drivers.
- Custom Admin Portal – Online platform for certificate tracking, onboarding, and billing.
Why is this important?
Final-mile delivery involves high-value goods, in-home risk, and complex subcontracting structures. A standard insurance policy won't cut it. Our team brings proven logistics expertise and a streamlined experience – reducing administrative burden while improving protection.
What Sets Champion Risk Apart🥇
We know the market. We know your business. And we know how to match the right coverage with the right carrier.
- Flexible Billing Plans – Monthly or weekly pay plans for both corporate and contractor.
- Real-Time Claims Insights – Integrated loss cause data to drive safety and training improvements.
- One Carrier Simplicity – All lines of coverage written through a single A-rated carrier.
- National Reach – No state restrictions. No minimum premiums.
As a full-service brokerage, we offer commercial insurance, employee benefits, and personal coverage – all under one roof. When you work with us, you get more than a policy. You get a partner who understands your Last Mile Delivery business and knows how to protect it.
Full Market Access
- We work with insurance carriers that serve your industry, leveraging our reputation to secure competitive pricing and flexible terms.
End-to-End Service
- We deliver complete protection for your business, your people, and your future.
Strategic solutions for the Last Mile
You focus on fast, seamless delivery. We'll make sure your insurance keeps up. Let's build a stronger logistics program together.