Amazon DSP insurance requirements

“As a Delivery Service Partner (DSP), you are required to carry specific insurance coverages and limits. Amazon has selected Marsh to manage an exclusive program, specifically designed to meet Amazon’s DSP insurance requirements.”

“Marsh offers curated insurance solutions designed specifically for Amazon DSPs to meet contractual requirements and keep your business protected.”

“Which insurance products are required? Commercial Auto covers damage to your vehicle and property damage or injuries to others in an at-fault accident.”

“Cargo Legal Liability provides up to $25,000 of coverage for damaged or loss of property in the course of transit due to fire, collision or striking of load.”

“Hired and Non-Owned Automobile Liability covers a temporary replacement vehicle for a permanent vehicle that is out of service.”

“General Liability offers wide-ranging coverage for mishaps, damages, and injury to others, not involving your vehicles.”

“Workers’ Compensation provides your employees with medical and wage loss coverage for work-related injuries resulting from things like slips, trips, and falls.”

“Old Republic Insurance Company is the carrier for the program managed by Marsh, which provides that products that meet the specific insurance coverage and limits required for DSP companies working with Amazon”

“Marsh is Amazon's Value Added Service partner, helping Amazon DSPs to easily manage their business insurance requirements.”

“Marsh has partnered with an A.M. Best A+ (Superior) rated carrier to underwrite the products that meet Amazon's insurance requirements for DSPs.”

“Yes, the Program will cover your owned, leased, and rented vehicles. You must report these rental vehicles through the Amazon Fleet Portal so Marsh can automatically be notified of these additional vehicles.”

“Protects your DSP business from physical damage claims, bodily injury and property damage losses that you or an employee are held responsible while operating a company vehicle.”

“If you lease a vehicle through Amazon, you are required to carry a copy of the Master Policy Auto ID card and the Auto ID card issued for your company’s auto policy.”

“In the event of an accident, your drivers should provide the Auto ID card issued for your company’s auto policy. If the correct card is not provided, this will delay claim processing.”

“As Amazon's Value Added Services (VAS) partner for insurance coverage, Marsh uses Fleet Portal data to determine how many vehicles to bill for each month.”

“Because Marsh automatically adds vehicles reported to us as “active” in the Amazon Fleet Portal, it is more important than ever that you keep your fleet current in the Amazon Fleet Portal”

“For-Hire Property Carriers (Non-Hazardous) GVWR < 10,001 pounds $300,000 $0 $0 BMC-91, or BMC-91X, or BMC-82”

“Fleet including only vehicles under 10,001 pounds (4,536 kilograms) GVWR Property (non-hazardous) $300,000”

“For-hire (In interstate or foreign commerce, with a gross vehicle weight rating of 10,001 or more pounds) Property (nonhazardous) $750,000”

“If you are an existing DSP with coverage elsewhere, and you’d like to obtain a quote”

“If you have coverage elsewhere, please have 5 years loss runs (or all years in business if fewer)”

“We will provide you a proposal within two business days of receipt of your fully completed application (subject to underwriting eligibility).”

“Our quote will provide you with a Daily Composite Rate (DCR) by vehicle type. Typically, all your vehicles used at Amazon will either be classified as “light” or “medium.” We will provide you your rate (based on your station location) for each vehicle type”

“Your monthly premium will be calculated based on the actual vehicles reported to us from the Amazon Fleet Portal active for each day of the month.”

“For example, your DCR is $9.37 for medium and $6.84 for light. You have 2 medium vehicles and 4 light vehicles to add.”

“No down payment and easy monthly installments – with no finance charges. Marsh will simply deduct your insurance payment automatically from the checking account of your choice via ACH (Automated Clearing House) on the 25th of each month.”

“Workers’ Compensation insurance premiums are calculated based on actual payroll paid by the business during the annual policy period.”

“The monthly premium bill will be allocated to 95% drivers and 5% clerical, unless you have directed a preferred allocation.”

“Every business may require a different limit. We encourage you to review your quotes and reach out to our team to review in detail which coverage works best for your business.”

“The primary difference between these quotes lies in the UM/UIM (Uninsured/Underinsured Motorist) limits, which affect the daily rate per vehicle.”

“Please review each option carefully to choose the coverage that best aligns with your business needs and budget.”

“If you reside in one of the below seven states, you must obtain at least the applicable state minimum limit.”

“Optionality generally begins at your next renewal. If you renewed before June 1, 2025, you may already be eligible”

“the limits of uninsured motorist coverage shall be equal to the lesser of the limits of the named insured's motor vehicle liability coverage or the maximum uninsured motorist coverage limits available by the insurer under the named insured's motor vehicle policy, unless a named insured rejects or purchases coverage in a lesser amount by signing an acknowledgment form”

“An employer shall secure the payment of workers' compensation benefits for its employees by: (1) insuring, and keeping insured, the payment of this compensation with an insurer authorized under Title 31A”

“As a business owner, you need to have a policy in place to provide coverage to your employees should they be injured on the job.”

“Delivery Operations which includes all staff operating vehicles and/or making deliveries. This may include owners and managers of the business if they are involved in the delivery operations.”

“Coverage should be accepted 2 to 3 weeks prior to your effective date to avoid grounding.”

“Once coverage is bound, you will receive a 90-day binder along with your auto ID cards and any requested certificates of insurance. Keep this binder until Marsh sends your policy documents. Marsh will also forward proof of your coverage to Amazon compliance to avoid grounding.”

“Until your Element Fleet is ready, you will need to rent vehicles. Rental companies will require a certificate of insurance (COI) as proof of coverage.”

“Once coverage is bound and policy numbers assigned, Marsh will request our carrier to electronically submit the BMC91X on your behalf.”

“Obtain motor carrier operating authority for your company and apply for vehicle insurance.”

“Again, Amazon does not require a company to pursue these third-party deals, but a company may not be able to achieve the estimated profit range without doing so.”

“The profit range reflects Amazon’s estimates of reasonable fixed and variable costs that a company may incur, including costs associated with complying with all of Amazon’s contractual requirements and Program Policies.”

“Access to Amazon’s exclusive discounts on a suite of assets and services keeps owner startup costs as low as $10,000.”

“the startup cost figure assumes that a delivery company takes advantage of all third-party deals impacting startup costs that have been negotiated by Amazon in connection with this program, including with respect to delivery vehicle procurement, insurance, mobile devices and data plans, and uniforms.”

“Vehicle costs — delivery vehicle leases, routine maintenance, damages, insurance”

“recruitment, hiring, and coaching a team of high-performing, hourly employees and managing a fleet of delivery vehicles throughout the year.”

“The Delivery Service Partner is responsible for procuring delivery vehicles for its operations.”

“business services such as recruiting tool discounts, payroll, tax & accounting software discounts, legal support, and insurance options.”

“Send the insurance section of the contract and Redoubt can help identify what it appears to be asking for and what information is needed to start a quote.”