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 + USA Alliance Logistic
Noah Insurance Agency writes the commercial auto and bond; USA Alliance Logistic (our sister company) brokers and operates HCR contracts directly. We're the only one-stop shop in the Midwest doing both. 814-718-0060.
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Real broker. Real numbers. Same business day on most Ohio policies.