Amazon DSP Insurance
Commercial Auto · Workers' Comp · General Liability · Cargo
Amazon DSP Insurance Program
Amazon Delivery Service Providers operate as independent businesses — which means you are fully responsible for your own insurance. Amazon requires DSPs to carry commercial auto liability, workers' compensation, and general liability as a condition of your contract, and compliance is strictly monitored. A lapse in coverage can result in route suspension.
Prineville Insurance specializes in building insurance packages for Amazon DSPs throughout Oregon and the Pacific Northwest. We understand Amazon's program requirements, know which carriers offer the most competitive rates for last-mile delivery fleets, and can issue certificates of insurance the same day your policy is bound. Fill out the quote form below and a licensed agent will reach out within one business day.
Get Your DSP QuoteAmazon DSP Insurance Quote Request
A local agent will review your DSP operation and contact you within one business day with coverage options and pricing.
Built for Amazon DSP Operators
Amazon Program Expertise
We know Amazon's DSP insurance requirements inside and out — commercial auto, liability, workers' comp, and cargo — and build packages that keep you compliant.
Fleet Specialists
From 5-van startups to 40+ vehicle operations, we find competitive rates from carriers who specialize in last-mile delivery fleets.
Same-Day COIs
Certificates of insurance issued the same day your policy is bound — so you never miss an Amazon compliance deadline.
Local Oregon Agency
Serving Oregon businesses since 1935. We answer the phone, know your name, and handle claims personally.
50+ Carrier Access
We shop your coverage across 50+ top carriers to find the best combination of price and protection for your DSP.
Workers' Comp Included
We handle workers' comp for your drivers alongside your auto and liability — one agency, one relationship, one renewal.
Amazon DSP Insurance Coverage Breakdown
Amazon requires certain coverages as a condition of your DSP contract. Others are strongly recommended to protect your business from gaps in Amazon's own program.
Commercial Auto Liability
Amazon RequiredAmazon requires DSPs to carry a minimum of $1,000,000 per occurrence in commercial auto liability. This covers bodily injury and property damage caused by your drivers while operating delivery vans. Standard personal auto policies do not cover commercial delivery operations.
Non-Owned & Hired Auto
Amazon RequiredIf any of your drivers use their personal vehicles for delivery operations, non-owned auto coverage protects your business from liability arising from those vehicles. Critical for DSPs that supplement their fleet with driver-owned vans.
Workers' Compensation
Amazon RequiredOregon law requires workers' compensation for all employees. Amazon also mandates it for all DSP drivers. Workers' comp covers medical expenses and lost wages for drivers injured on the job — including injuries from loading, unloading, and vehicle accidents.
General Liability
Amazon RequiredCovers bodily injury and property damage that occurs off your vehicles — such as a driver injuring a customer while delivering a package, or damaging property at a delivery location. Amazon requires a minimum of $1,000,000 per occurrence.
Cargo / Motor Truck Cargo
Strongly RecommendedProtects the Amazon packages in your vehicles against loss, theft, or damage during transit. While Amazon carries its own cargo insurance for the goods themselves, DSPs may need cargo coverage for certain contract structures or to protect against chargebacks.
Umbrella / Excess Liability
Strongly RecommendedProvides additional liability limits above your primary auto and general liability policies. Given the frequency of delivery vehicles on the road and the potential for serious accidents, many DSPs carry $1M–$5M in umbrella coverage for added protection.
Employment Practices Liability (EPLI)
Strongly RecommendedDSPs employ dozens of drivers and face significant exposure to employment claims — wrongful termination, discrimination, wage disputes. EPLI covers defense costs and settlements for employment-related lawsuits.
Cyber Liability
Strongly RecommendedDSPs handle customer data, route information, and payment details through Amazon's logistics systems. A data breach or ransomware attack could expose your business to significant liability. Cyber coverage is increasingly important for technology-dependent operations.
Why Amazon DSP Insurance Is Getting Harder to Place
Carrier Exits from Last-Mile Delivery
Several major carriers have reduced or eliminated their appetite for Amazon DSP accounts following significant loss ratios. The remaining carriers are more selective about fleet size, driver history, and years in operation — making an independent agent's market access more valuable than ever.
Rising Auto Liability Verdicts
Nuclear verdicts in commercial auto cases have driven up premiums across the delivery sector. A single serious accident involving a delivery van can result in multi-million dollar judgments. DSPs with minimum limits face significant personal exposure if a verdict exceeds their policy.
Amazon's ACAI Program Has Gaps
Amazon's Commercial Auto Insurance (ACAI) program only covers vehicles while actively on Amazon routes. Vehicles returning to the station, drivers running personal errands, or off-route incidents are not covered. DSPs who rely solely on ACAI face significant uninsured exposure.
Workers' Comp Claims Are Rising
Delivery driving is physically demanding — loading, unloading, and repetitive motion injuries are common. Oregon's workers' compensation system requires all employers to carry coverage, and DSPs with high driver turnover face elevated risk. Proper classification of employees vs. contractors is critical.
Driver Shortage Increases Risk
The ongoing driver shortage has led many DSPs to hire less experienced drivers to meet Amazon's delivery volume requirements. Newer drivers have higher accident rates, which directly impacts insurance premiums at renewal. Telematics and driver training programs can help offset this.
Compliance Monitoring Is Strict
Amazon monitors DSP insurance compliance in real time and can suspend routes for coverage lapses — even brief ones. A policy cancellation for non-payment or a missed renewal can result in immediate route suspension, making continuous coverage and timely renewals essential.
Amazon DSP Insurance Cost Guide — Oregon 2025–2026
Estimated annual premiums for a full commercial auto + general liability + workers' comp package. Actual rates depend on driver history, loss history, and fleet composition.
| Fleet Size | Drivers | Est. Annual Premium | Key Cost Factors |
|---|---|---|---|
| 5–10 vans | 6–12 | $15,000 – $35,000 | Clean MVRs, 2+ yrs in business |
| 11–20 vans | 13–25 | $35,000 – $65,000 | Driver turnover, accident history |
| 21–40 vans | 26–50 | $65,000 – $120,000 | Fleet age, telematics usage |
| 40+ vans | 50+ | $120,000+ | Loss ratio, carrier appetite |
Estimates only. Submit a quote request for accurate pricing based on your specific operation.
Amazon DSP Insurance — Frequently Asked Questions
Amazon requires DSPs to carry: commercial auto liability ($1M per occurrence minimum), workers' compensation for all employees, and general liability ($1M per occurrence minimum). Amazon's program also requires that Amazon Logistics be listed as an additional insured on your policies. Specific requirements are outlined in your DSP agreement and can change — we recommend having us review your current contract to confirm compliance.
Amazon provides some coverage through its Amazon Commercial Auto Insurance (ACAI) program for vehicles while they are actively making deliveries on Amazon routes. However, this coverage has significant gaps — it does not cover vehicles when they are not on active Amazon routes, does not cover workers' compensation, and does not replace the commercial auto and liability policies you are required to carry independently. DSPs should never rely solely on Amazon's program.
DSP insurance costs vary significantly based on fleet size, driver history, years in operation, and loss history. A small DSP with 5–10 vans and clean driving records might pay $15,000–$35,000 per year for a full commercial auto, general liability, and workers' comp package. Larger operations with 20–40 vehicles typically pay $50,000–$120,000+ annually. The best way to get accurate pricing is to submit a quote request — we will shop your operation across multiple carriers.
Yes. We work with new DSPs regularly. Newer operations without loss history may pay slightly higher initial premiums, but we have access to carriers who specialize in startup delivery businesses. We can also help you understand Amazon's onboarding insurance requirements and ensure your coverage is in place before your first delivery day.
Commercial auto covers vehicles that your DSP owns or leases. Non-owned auto covers situations where your drivers use their personal vehicles for business purposes. If any of your drivers ever use their own vehicles — even occasionally — non-owned auto is essential. Without it, your business could be held liable for accidents in vehicles you do not own.
Once your policy is bound, we can issue a certificate of insurance the same business day. Amazon often requires COIs before you can begin operations or add new vehicles to your fleet. If you have a deadline, let us know and we will prioritize your request.
Get in Touch
Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.
