Delivery Service Partners

How Total Risk Shield Helps Last-Mile DSPs Protect People, Performance & Profit

The last-mile delivery industry is the heartbeat of modern commerce, fast-paced, high-pressure, and essential. But with that constant motion comes constant exposure: injuries, claims, turnover, and ultra-competitive labor market, and razor-thin margins.

The Challenge: Rising Costs & Operational Risk in the Last-Mile

DSP3Between workers' comp premiums, high turnover, and compliance headaches, the cost of running a delivery business can spiral out of control fast. Typical challenges include:

  • Constant workplace injuries: strains, slips, vehicle accidents

  • Skyrocketing workers' comp premiums and experience mods

  • People calling out or quitting because they're burned out or dealing with preventable health problems

  • No real way to see what's actually driving claims or where the money's going

  • Pressure from OSHA, DOT, and insurance audits that never seem to end

And here's the thing: each of these hits more than just your safety record. They kill uptime, drag down productivity, and eat directly into your profit per route.

The Solution: Total Risk Shield

Total Risk Shield (TRS) brings together workers' comp, preventative wellness, and financial risk management into one complete strategy. It helps DSPs cut costs, reduce claims, and build a more resilient workforce.

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Here's How It Works?

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1. Reduce Workers’ Comp Costs Through Prevention

TRS leverages data-driven insights to identify injury trends before they escalate. Our proactive approach helps clients:
 
Lower comp premiums (often by 20–40%)

Implement targeted wellness to reduce illness that result in claims

Improve claim outcomes through early intervention
 
Enhance results with expert claims management
 
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2. Improve Driver Health & Retention

Healthy drivers are productive drivers. Through our exclusive no net-cost, preventative health program, employees gain access to:
 
Routine health screenings and telemedicine

Mental health and fatigue management support

Injury-prevention programs tailored to delivery demands

Physical Therapy to get injured workers back to work faster

Guaranteed-issue universal life insurance with living benefits

This not only improves morale and retention it reduces downtime and claim frequency.
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3. Unlock Immediate Financial Advantages

TRS integrates IRS-approved, Section 125 tax advantages to create real tax savings for employers, putting dollars back into the business that would otherwise go to FICA taxes.

That means:
Reduced employer tax liability 

Expanded benefits at no net-cost

Stronger bottom-line performance

Savings of up to $1,000 per employee, per year

Real Results for Delivery Operators

Clients in the last-mile sector using Total Risk Shield have reported:

 

reduced-cost
30%+ reduction

in workers’ compensation claims

Save Time
15–25% Decrease

 in overall absenteeism and improved associate retention

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Immediate Tax Savings 

through Section 125 plan integration

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Increased Operational Predictability

fewer surprises and more control over your operations

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Before partnering with Alloy’s Employer Services for workers' compensation and their innovative preventative health program, we were feeling the squeeze from every angle. Retention was a constant battle in such a competitive labor market, and absenteeism was driving up overtime costs and disrupting routes. On top of that, the rising cost of workers’ comp and healthcare was making it harder to protect both our people and our bottom line.

Since implementing Total Risk Shield, we’ve seen a complete shift. The proactive claims management has lowered our workers’ comp costs, and the integrated wellness program has reduced call-offs, improved team morale and decreased our workers' comp premiums further. My employees have easy access to care 24/7 for their physical and mental health needs and the accompanying universal life insurance serves as a retention and recruiting tool.  Our drivers feel supported, healthier, and more loyal—and that’s directly translated into better retention, fewer costly disruptions and will save us upwards of $100,000 annually in FICA tax - which we intend to reinvest in growth. 

Because Alloy handles most of the program's administration, my team can focus on their day-to-day tasks which are critical to sustaining operational excellence.

For the first time, I feel like we have a strategic risk solution that truly protects our people, stabilizes our costs, and positions us to grow with confidence.  I'd highly recommend Alloy Employer Services as a strategic risk solution partner.
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, Owner, Sansky Logistics

Why It Matters Now

With labor costs climbing and delivery expectations rising, proactive risk management isn’t optional, it’s a competitive advantage. Total Risk Shield helps DSPs create a safer, healthier, and more financially efficient operation, empowering leadership teams to focus on growth instead of damage control.

Get Started With Alloy Today

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Or call us toll free at 833-280-5324

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