Key takeaways
- Most branded vans are not driven by employees of the brand. Last mile delivery is largely contracted to independent companies that employ the drivers, own or lease the vans, and carry their own insurance.
- A gig driver in a personal car is a different case entirely. Which policy responds can depend on what stage of a delivery the driver was in when the crash happened, and personal auto cover commonly excludes commercial use.
- Reaching the parent company is an evidence problem, not a legal theory problem. The theories are well established. What decides cases is whether the contract, route data and monitoring records get produced.
- Results have gone both ways. Reported district court decisions have declined to hold the parent liable; other cases have reached juries that found otherwise. Treat confident predictions in either direction with suspicion.
This guide is written and reviewed by our editorial team to be accurate and current. It is general information, not legal advice, and reading it does not create an attorney-client relationship. Descriptions of how delivery contracting works come from litigation and public reporting rather than from any company document, they are given in general terms, and they change. Nothing here asserts that any company is liable for anything. If you are facing an emergency, call 911.