Trades / Local messengers and local delivery
NAICS 4922 · high injury risk
Insurance for local messengers and local delivery
Local messengers and local delivery log 8.5 recordable injuries and illnesses per 100 full-time workers, 270 percent above the private-industry figure of 2.3 and number 1 of the 37 trades on this site. That record is what an underwriter sees first, and it is why the checklist below leans on workers' compensation and liability limits.
- 1Local messengers and l 8.5 per 100
- 2Private industry 2.3 per 100
- 3Rank of 37 #1
What goes wrong in this trade
The highest recordable rate on this site, driven by the same vehicle and lifting exposures as couriers but over shorter urban routes with more stops per hour.
The checklist for local messengers and local delivery
- AutoCommercial auto liabilityDelivery fleet liability; the highest injury rate on this site makes driving the defining risk.State minimum auto liability applies to business vehicles. Interstate for-hire carriers of vehicles 10,001 lb GVWR and up must carry the 49 CFR 387.9 minimums ($750,000 non-hazardous property; $1,000,000 oil; $5,000,000 bulk hazmat).
- HNOAHired and non-owned autoIndependent and personal-vehicle drivers.Not required by law; commonly added to GL or auto.
- CargoMotor truck cargoParcels in your care.Not an FMCSA filing requirement for general freight carriers; required by nearly every broker and shipper contract.
- WCWorkers' compensationRequired once you have employees in nearly every state.Required by state law in nearly every state once you have employees; the employee-count threshold and exemptions are set state by state and are not reproduced here.
- GLGeneral liabilitySlip-and-fall during delivery.Not required by federal law. Required in practice by most contracts, landlords and many state contractor licences.
Red tags mark policy types that a law or licence usually requires; green tags are what contracts, landlords and clients ask for. Tailor the list for your situation (no employees, no vehicles, alcohol) with the checklist tool.
What the injury record means for the premium
Workers' compensation is rated on payroll and class, then adjusted by your own loss history, so a trade with 8.5 cases per 100 workers starts from a high base rate before an underwriter has looked at you. Worse, 81 percent of those cases involved days away from work, restriction or transfer — the expensive kind. The fatality figure, roughly 15 per 100,000 full-time workers in 2024, is several times the all-industry level and is the single number most likely to appear in an underwriter's notes. The practical consequence: a documented safety programme and a clean experience modifier are worth more here than shopping carriers.
The nearest trades by injury rate are couriers and express delivery services (7.9), nursing care facilities (6.3), carpet and upholstery cleaning services (5.6); the same payroll insured in those classes would start from a similar workers' comp base.
Legal, licence or contract?
Fixed by law
- Workers' compensation once you have employees, in nearly every state (threshold and exemptions set by the state; not reproduced here).
- Public liability of at least $750,000 for interstate for-hire carriage of non-hazardous property in vehicles of 10,001 lb GVWR or more; $1,000,000 for oil; $5,000,000 for bulk hazmat — 49 CFR 387.9. Details.
- State minimum auto liability on any vehicle the business operates.
Asked for by contracts and licences
Sources: BLS Survey of Occupational Injuries and Illnesses, Table 1 (2024), incidence rates per 100 full-time workers; BLS SOII Table 3 (2024), hours worked by detailed industry; BLS Census of Fatal Occupational Injuries, Table A-1 (2024); 49 CFR 387.9 — Schedule of limits, public liability (eCFR). Fatal rate per 100,000 FTE is derived (count ÷ hours × 200,000,000) and approximate. Checked 2026-10-23.