What are personal delivery devices (PDDs)?

Personal delivery devices are autonomous or remotely operated robots designed to transport goods on sidewalks and pedestrian areas. They're commonly used for last-mile food delivery, package delivery, and other small goods transportation.

What insurance do PDD operators need?

PDD operators typically need general liability ($1,000,000+), auto/mobility device liability, workers' compensation for operators and technicians, excess liability, cyber liability for connected devices, and performance bonds required by municipalities.

Do PDDs need auto insurance?

While PDDs operate on sidewalks, they may be classified as vehicles in some jurisdictions. Operators typically need liability coverage that functions similarly to auto insurance, covering property damage and pedestrian injuries.

What cyber risks do delivery robots face?

Delivery robots are connected devices that collect GPS data, delivery information, and may access customer data. Cyber liability covers hacking of the device systems, data breaches, and operational technology failures.

Specialty Lines

Personal Delivery Devices Insurance

Comprehensive coverage for autonomous delivery robots and personal delivery device operators. Municipal permit compliant programs.

Personal Delivery Device Insurance Programs

Personal Delivery Devices (PDDs) are autonomous or remotely operated robots designed for last-mile delivery of food, packages, and other goods. As these devices become more common on city sidewalks, operators face unique insurance requirements.

Our PDD insurance program provides comprehensive coverage designed for delivery robot operators, meeting municipal permit requirements while addressing the unique risks of autonomous sidewalk navigation.

PDD Permit Requirements

General Liability: $1,000,000 per occurrence minimum

Device Liability: $1,000,000 for bodily injury and property damage

Workers' Compensation: Statutory limits with $1,000,000 Employers' Liability

Umbrella/Excess: $1,000,000 per occurrence

Performance Bond: $100 per device

City of Los Angeles, its officers, agents and employees must be named as Primary additional insureds.

Coverage Options

Device Liability

Coverage for PDD operations and accidents.

$1,000,000 per occurrence
Pedestrian injury protection
Property damage coverage
Sidewalk and pathway incidents

General Liability

Business operations protection.

$1,000,000 per occurrence
ISO Form CG 00 01
Products liability included
City as additional insured

Hired & Non-Owned Auto

Coverage for support vehicles.

$1,000,000 liability
Device transport vehicles
Maintenance fleet coverage
Employee personal vehicles

Workers' Compensation

Employee injury protection.

Statutory limits
$1,000,000 Employers' Liability
Remote operators covered
Field technicians covered

Cyber Liability

Connected device protection.

Device hacking protection
Customer data breach
GPS and location data
Ransomware coverage

Excess Liability

Higher limits for major claims.

$1,000,000+ per occurrence
Excess over all primary
Catastrophic claim protection
City as additional insured

Performance Bonds

Municipalities require PDD operators to maintain performance bonds, typically $100 per device, payable without condition. This ensures:

Proper device maintenance and safety
Removal of malfunctioning devices
Compliance with operational zones
Speed and navigation requirements

Frequently Asked Questions

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Comprehensive coverage for your delivery robot fleet. Municipal permit compliant programs.