USPS Contract Carrier Insurance Guide
USPS HCR (Highway Contract Route) contractors are held to strict federal insurance standards. Here's what you need before bidding.
USPS HCR insurance requirements
USPS HCR contracts typically require: • $1M Commercial Auto Liability minimum • $5,000 Cargo coverage (low — USPS mail has limited declared value) • Workers Comp on drivers • Performance bond (5%–20% of annual contract value, depending on route) • Vehicle title and proof of ownership/lease
Typical cost
Single-vehicle HCR contractor (cargo van, 1 driver, 250-mile daily route): $4,500–$7,500/year insurance + $300–$800/year on performance bond.
Why Noah for USPS contractors
Noah Insurance Agency writes the commercial auto, the performance bond and the cargo coverage HCR contracts require, and we know the USPS solicitation timeline — so your COI and bond are ready before the award deadline. 814-718-0060.
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