Application classification
Last-mile, courier, rental, and livery classifications may have different program rules.
Step vans and last mile
Protection questions for step vans and last-mile delivery fleets.
Eligibility and coverage considerations for step vans, parcel vehicles, and last-mile commercial delivery units.
Request a Fleet Assessment →Fleet uptime
Last-mile vehicles face frequent starts, stops, door cycles, idling, urban mileage, and tight dispatch schedules. The application may be underwritten differently from general service use, so fleets should confirm that delivery activity is expressly permitted.
Program focus
- Step vans and parcel vehicles
- High-stop urban routes
- Gas, diesel, and eligible alternative powertrains
- Lift, door, and body-system questions
- Route reliability planning
What matters
A program should fit the operation—not just the vehicle.
Stop density
Route length alone does not capture the stress of frequent starts, stops, and idling.
Body systems
Doors, ramps, lifts, and cargo-body equipment may sit outside base chassis coverage.
Fleet review checklist
- Prepare daily route miles and stop counts.
- Identify seasonal mileage peaks and substitute-vehicle options.
- Confirm the repair network can accommodate vehicle height and class.
Prepare for a breakdown in this application.
Keep unit-level records for the actual duty cycle and installed equipment. Before authorizing work, confirm the contract’s administrator, facility requirements, and separate diagnosis and repair approval steps.
Clear coverage starts with the contract.
Vehicle service contract coverage is subject to eligibility and the actual contract terms, conditions, limits, deductibles, maintenance requirements, and exclusions. Product availability varies by vehicle, use, administrator, and state. Review the signed contract before enrollment.
Start the conversation
Let’s review your fleet.
Tell us about your business, vehicles, and operating conditions. We will identify programs that may fit.