5.0out of 5 starsOpen since April 2026
Last-Mile Delivery Insurance In British Columbia
Insurance for BC Last-Mile Delivery and Courier Companies
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The last mile is the final trip an order makes, from a local depot to the customer's door. Many BC courier and delivery companies do this work for a delivery program, running vans or box trucks that carry the program's orders. Before a program sends you routes, it checks that your insurance meets its minimums.
InsureLine Alder works with delivery companies from our office at 3238 King George Blvd in Surrey. Managing Directors Gurtaj Bahad (CIP, CAIB) and Michael Puni bring over 25 years of combined experience. We put together coverage for your vans and box trucks, the orders inside them and your business, whether you run one vehicle or forty.
We compare quotes from several insurers and explain each one in plain English. If one of your vehicles is in a crash, we work with the insurer for you, so it can get back on the road sooner.
Coverage For BC Delivery Companies
What's Covered
Here is what each part of a delivery company's policy pays for. We set each amount to meet what your delivery program asks for.
Auto Liability
Pays when one of your vans or trucks injures someone or damages their property in a crash. In BC the basic coverage comes from ICBC. Delivery programs often ask for more than the basic amount, so we add extra liability on top.
Physical Damage
Pays to repair or replace your vans and trucks after a crash, fire, theft or vandalism. A vehicle off the road means missed routes, so this helps you get back to work.
Cargo In Transit
Pays for the parcels and other orders you're carrying if they are damaged or stolen, for example in a crash or a break-in while your driver is at a door.
Commercial General Liability
Pays when your work injures someone or damages their property away from the road. For example, someone trips over a parcel your driver left on a walkway.
Workers Compensation
In BC, injury coverage for your drivers comes from WorkSafeBC, not from an insurance company. We check that your WorkSafeBC account and your policy fit together, with no gaps.
Common Questions
Questions About Last-Mile Delivery Insurance
Is ICBC's basic insurance enough for my delivery vans?
No. Every BC vehicle needs ICBC's basic insurance, but it pays at most $200,000 if someone sues you after a crash you caused. Delivery programs often ask for more, so we add extra liability on top. Basic insurance also doesn't pay to fix your own vans, for the orders you carry or for claims away from the road. We add those coverages too, and make sure your vans are insured for delivery work, not personal use.
The orders in my vans aren't mine. Why do I need cargo coverage?
While an order is in your van, you are responsible for it. If it is damaged in a crash or stolen in a break-in, you may have to pay for it. Cargo coverage pays that bill, up to the amount on your policy. That is why delivery programs often ask for it before they send you routes.
Can I choose my own insurance broker?
Yes. In BC, a delivery company can choose its own broker. Your policy just has to meet your program's minimums, and you prove it with a certificate of insurance, a one-page document we give you. We compare quotes from several insurers, so you are not stuck with one price.
I pull trailers between warehouses. Is this the right insurance?
No. This page is for courier and delivery companies that take orders to the customer's door in vans or box trucks. If you pull someone else's trailer between warehouses or sorting centres, you need owner operator insurance. It adds coverage for the trailer you pull.
Minimum Insurance For Delivery Programs
Each delivery program sets the least insurance it will accept before it sends you routes.
For example, as of November 2026, Amazon's Delivery Service Partner program asks for general liability of at least $2,000,000 and cargo coverage of at least $25,000.
For GoBolt, ask the company for its current minimums and send them to us. The last policy we set up for one of its drivers had cargo coverage of $100,000.
Programs can change these amounts. Send us your program's current requirements and we will match your policy to them.
- 24-hour response guarantee for every question
- Coverage matched to your delivery program's minimums
- Quotes from several insurers, side by side
- Open 7 days a week to fit your schedule
- Annual re-shop to keep your rate competitive
- Help with your claim from start to finish
- Plain-English answers, no insurance jargon
- 95% client retention driven by our service
Request A Free Quote Below
Get A Free Quote
Fill out the form below or call us at +1 (604) 337-1217, and we will get back to you as soon as possible!
Getting set up starts with a short conversation about your vehicles, your drivers and the routes you run. If you already have a policy, we look at it for gaps.
Next, we ask several insurers for quotes and show them to you side by side, with the price, the deductible and the limits of each. The deductible is the part of a claim you pay yourself. We don't just point to the cheapest one. We explain the differences so you can choose.
Once you choose, we finalize your policy and give you a certificate of insurance, the one-page proof of coverage your program asks for. As you add vehicles, we update your policy. At every renewal, we review it and shop it again to keep your rate competitive.
Reliable Insurance For Surrey, British Columbia Residents
How Our Process Works
Discover Your Needs
We review your current policies, identify coverage gaps, and note any recent life or business changes that could affect your insurance.
Shop the Market
We obtain competitive multi‑carrier quotes and design coverage options tailored to your specific needs and risk profile.
Compare and Choose
We present clear side‑by‑side comparisons of prices, coverages, and key risks so you can confidently select the right policy.
Activate and Review
We finalize and process your chosen policy, then conduct mandatory annual reviews at renewal to keep your coverage up to date.
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Visit Our Information CenterWhy Choose Our Surrey, British Columbia Brokerage
The InsureLine Alder Advantage
We advocate fiercely with top underwriters to secure your ideal pricing and coverage. Accessing over fifteen national providers our experts translate complex policies into simple terms while supporting our local youth sports community.
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Trusted Insurance Providers In Surrey, British Columbia
Meet Your Dedicated Insurance Brokers
Our team stands for trust, service, and putting people first in every interaction. We are proud of the care we bring to our work, the knowledge we share with our clients, and the strong relationships we build in our community.
Every member of our team is committed to providing clear guidance, honest advice, and dependable support, so clients feel informed and confident at every step. Together, we create a welcoming experience backed by professionalism, responsiveness, and a genuine commitment to helping families and businesses protect what matters most.
Michael Puni
Managing Director
Gurtaj Bahad
Managing Director
Quality You Can Count On
See What Our Clients Say
Our clients consistently praise our clear communication and seamless claims support. From securing custom home coverage to saving business owners thousands on commercial premiums our proven results build genuine confidence and long term trust.
Manu Sidhu
5 out of 5 stars
I had a wonderful experience getting my insurance done from them. Gurtaj and Michael went out of their way to help me as my previous insurance brokers got my mom’s insurance messed up. I am glad that I went to them. I highly recommend them if you want any kind of insurance without any hassle.
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NIKHIL BHATTI
5 out of 5 stars
Great and fast service.
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Golabski
5 out of 5 stars
I had a great experience renewing my ICBC car insurance here. Harpal was very professional and took the time to explain the different options, and even helped me secure a low-kilometer discount. Highly recommended!
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Joe B
5 out of 5 stars
Had a really good experience at the South Surrey location. The team was able to answered all my questions and were able to get me the best rate possible. The process of getting my insurance was easy and I’ll definitely be renewing my insurance here.
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Apaar Kular
5 out of 5 stars
Amazing service👍
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Aarsh Kamboj
5 out of 5 stars
Great service from Insureline Alder Insurance South Surrey. The team is knowledgeable, responsive, and made the process quick and easy. Highly recommend!
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Amit Aujla (Amiauj89)
5 out of 5 stars
Great service and attention to detail. They take the time to understand my needs and create a coverage package that fits my needs and budget. Would highly recommend!
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Prabdeep Pabla
5 out of 5 stars
5 stars!! Great service. Highly reccomend for all your insurance needs .
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Proven Insurance Expertise In Surrey, British Columbia
Decades Of Industry Experience
With over twenty five years of combined experience and a ninety five percent retention rate we successfully manage fifteen million dollar books of business providing deep specialized expertise in complex commercial and cargo policies.
- Client Retention Rate
- 95%
- Years Of Experience
- 25+
- Client Savings (Single Policy)
- $200K
- Book Of Business
- $15M