Independent P&D, ISP, freight, and line-haul contractors need a program built from their actual agreement and operation—not a generic delivery checklist. We review vehicle ownership, driver structure, payroll, routes, terminal activity, package or freight custody, loss history, requested certificate wording, and expansion plans before approaching insurance markets.

The hub pages below add local route and operating context for major California logistics markets. Every page includes the complete two-step contractor form so the submission can move from initial contact into coverage selections, fleet, drivers, payroll, and document upload without starting over.

P&D and line-haul are different risks

Describe both sides of the operation clearly

Pickup-and-delivery accounts are shaped by stop count, delivery density, helpers, driver turnover, temporary labor, backing exposure, and rapid vehicle additions. Line-haul accounts add nighttime driving, terminal-to-terminal mileage, tractors, trailers, doubles, interchange, and longer operating radiuses.

Commercial auto liability

Physical damage

Workers’ compensation

Motor truck cargo

General liability

Hired and non-owned auto

Umbrella or excess

Cyber and employment practices

Independent line-haul contractor completing a nighttime pre-trip inspection

Build a stronger submission

Show the safety and maintenance systems behind the fleet

Underwriters evaluate loss history together with driver hiring, MVR monitoring, onboarding, telematics, camera use, backing procedures, incident review, preventive maintenance, out-of-service controls, and return-to-work practices.

Independent delivery drivers attending a fleet safety meeting

Drivers and workforce

Provide driver lists, license information, experience, employment status, payroll by state, seasonal staffing plans, and the controls used when routes or capacity increase.

Preventive maintenance inspection of an independent delivery vehicle

Vehicles and maintenance

Include VINs, values, ownership, garaging, maintenance intervals, spare units, rented or borrowed vehicles, and procedures for removing unsafe equipment from service.

California contractor program

One application for P&D, ISP, freight, and line-haul operations

Use the complete two-step contractor form to save the lead, select coverage and limits, add operation details, and provide vehicles, drivers, payroll, and supporting documents.

Step 1 of 2 — Quick Info

FedEx Contractor Insurance in California

Los Angeles, CA

Long Beach, CA

Carson, CA

Commerce, CA

Ontario, CA

Fontana, CA

San Bernardino, CA

Riverside, CA

Moreno Valley, CA

Perris, CA

San Diego, CA

Otay Mesa, CA

Bakersfield, CA

Oxnard, CA

Oakland, CA

Richmond, CA

San Jose, CA

Sacramento, CA

West Sacramento, CA

Stockton, CA

Tracy, CA

Modesto, CA

Fresno, CA

Visalia, CA

California insurance guidance for independent delivery contractors

Describe both sides of the operation clearly

Show the safety and maintenance systems behind the fleet

Drivers and workforce

Vehicles and maintenance

One application for P&D, ISP, freight, and line-haul operations

CALIFORNIA CONTRACTOR INSURANCE REVIEW