New Product Offers Flexibility, Lowered Limits to Serve Emerging
Last Mile and Gig Economy Delivery Segment

BOSTON (January 26, 2022) – Liberty Mutual Insurance today announced the launch of a new Motor Cargo product for the small commercial market. This ground-up build was created to better serve the emerging last mile and gig economy delivery segments, including the regional operators and individual proprietors that transport goods from a distribution hub to its final delivery destination. With lowered limits, a comprehensive base contract and a broad set of proprietary coverage options – this new offering is the most flexible motor truck cargo product on the market today.

“As delivery surged during the pandemic, e-commerce businesses began relying on small operators and gig economy drivers more than ever to complete the final mile and ensure goods make it onto the customer’s doorstep,” said Liberty Mutual Chief Product Officer, Global Retail Markets, Luke Bills. “Last mile delivery is one of the most complex and costly parts of the supply chain. It’s a market that is ripe for disruption, and this Liberty Mutual Motor Cargo product offers an insurance solution that is just as dynamic as the businesses and entrepreneurs that serve it.”

According to an April 2021 report from the World Economic Forum, business-to-consumer parcel delivery rose 25 percent in 2020. With 36 percent more delivery vehicles expected to be on the roads by 2030, the growing demand for e-commerce delivery is a trend that is likely to persist. Before this Liberty Mutual Motor Cargo offering, local and regional delivery operators were required to rely on the same insurance as traditional long-haul trucking operations, which often includes excess limits and unnecessary coverages. Now, small commercial customers have access to a product that is sophisticated enough for larger last mile delivery trucking operations, and flexible enough for the previously underserved regional box truck and independent gig operator segments.

“Prioritizing flexibly and affordability was paramount in the development of this Motor Cargo product,” said Vice President of Inland Marine Underwriting Ryan Mee. “For us that meant not only offering a broad set of coverages to serve the full spectrum of the small commercial market, but also a streamlined underwriting experience that allows agents and brokers to quote and bind in less than 10 minutes.”

The Motor Cargo product is available through Liberty Mutual-appointed agents and brokers, and was designed to serve fleets with fewer than 50 vehicles that deliver within a radius of less than 500 miles. It is currently available in Florida, Kentucky, Maryland and Utah with plans to roll out to 27 additional states in February. Most other states will follow later in the year.


About Liberty Mutual Insurance
At Liberty Mutual, we believe progress happens when people feel secure. By providing protection for the unexpected and delivering it with care, we help people embrace today and confidently pursue tomorrow.

In business since 1912, and headquartered in Boston, today we are the sixth largest global property and casualty insurer based on 2020 gross written premium. We also rank 71st on the Fortune 100 list of largest corporations in the U.S. based on 2020 revenue. As of December 31, 2020, we had $43.8 billion in annual consolidated revenue.

We employ over 45,000 people in 29 countries and economies around the world. We offer a wide range of insurance products and services, including personal automobile, homeowners, specialty lines, reinsurance, commercial multiple-peril, workers compensation, commercial automobile, general liability, surety, and commercial property. 

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