Last-mile delivery
Class code 7380, driver turnover, vehicle claims and mods most carriers won't look at. Last-mile delivery contractors are a core Radius class, not an exception.
When an admitted carrier declines a last-mile delivery contractor, it is rarely a judgment on that specific operation. Delivery driver payroll produces frequent lifting, slip and vehicle claims, and turnover above 100 percent makes historical loss data a poor predictor. Whole carriers withdraw from the class at once, which is why an account that renewed cleanly last year can be non-renewed with a loss ratio that looks acceptable to you.
Specialty and surplus lines markets that stay in the class price it on operational detail rather than the class code alone. That is the gap Radius works: we rebuild the submission so an underwriter can see route density, driver tenure, telematics performance and what changed after each significant claim.
A high mod is a starting condition, not a verdict. Mods over 2.00 are routine here, and the highest placed to date is 3.42. The accounts that price best are the ones where the loss narrative is explicit — which claims drove the mod, whether they were vehicle or lifting, what the return-to-work handling looked like, and which controls came in afterward.
Class code accuracy is the second lever. Delivery payroll is routinely lumped into 7380 when dispatch, clerical and warehouse duties belong in separate codes, which inflates both premium and the mod itself. We review the code split before the account goes to market; on some submissions the reclassification is the placement.
DSP payroll grows in steps as routes are added, so annual estimates rarely survive the year. Pay-as-you-go reporting ties premium to each payroll run and removes the year-end audit swing. Where a standalone policy prices out entirely, a PEO master policy can carry the payroll with HR and compliance support attached — useful for contractors running lean back offices.
Send it if
Delivery-specific detail
Everything on the standard checklist still applies. These five items are what specialty markets ask for on delivery accounts, and having them up front is usually the difference between a quote and a decline.
Questions agents ask
Delivery driver payroll under class code 7380 carries frequent, high-severity claims and turnover that makes loss picks unpredictable. Most admitted carriers restrict or exclude the class outright — the decline is usually about the class code, not your client's operation.
Yes. There is no mod ceiling here. The highest mod placed to date is 3.42. What matters is the loss narrative: what happened, what changed and what the controls look like now.
It helps. Route counts, contracted van counts, telematics scorecards and safety documentation give specialty underwriters exposure detail they rarely receive on delivery accounts, and that detail moves pricing.
Both are placeable, but they change the exposure picture and often the class code. Flag the arrangement in the submission so we position it up front rather than have an underwriter discover it at audit.
Usually. Pay-as-you-go reporting ties premium to each payroll run, which fits a DSP adding routes mid-term and removes the year-end audit swing.
No. Radius is wholesale only. We work the markets, you hold the relationship and deliver the quote.
Radius Insurance Group is an independent wholesale broker and is not affiliated with, endorsed by or sponsored by Amazon.com, Inc. or any of its subsidiaries.
Delivery accounts
We'll tell you which markets will look at it and what structure fits. Wholesale only — the client stays yours.
