Amazon Flex insurance requirements

“Your insurance must meet local requirements. Amazon Flex provides free commercial insurance in most states.”

“As a delivery partner, you must maintain the required insurance for delivering packages in your area. In addition to your personal coverage, Amazon provides delivery partners in all states other than NY with commercial auto insurance at no cost.”

“This auto insurance policy applies only to Amazon Flex delivery partners who are actively delivering during the delivery block.”

“In addition, if anyone other than the Amazon Flex delivery partner is driving when an accident occurs, the claim for any incurred losses will be denied.”

“Due to local regulations, this insurance does not apply to drivers in the state of New York. If you live in New York, you may need additional commercial insurance to meet New York state law. Check with your insurance company for more information.”

“If you are renting or borrowing a car, you will need to ensure that you have required coverage.”

“Auto insurance policy, so you can confirm that your policy meets coverage requirements”

“In order to deliver with Amazon Flex, you'll need to use a 4-door, mid-sized sedan or larger vehicle, such as a truck with a covered bed, SUV, or a van that can safely and reliably transport assigned deliverables to customers. Smaller cars and trucks with open beds do not qualify.”

“If you maintain personal auto insurance, you are protected under the Amazon Commercial Auto Insurance Policy while you’re actively driving and delivering. The Amazon Commercial Auto Insurance Policy includes auto liability coverage of $1,000,000, uninsured motorist/under-insured motorist coverage, and contingent comprehensive and collision coverage (passengers are not covered).”

“This policy is provided at no cost, in all states besides New York. If you live in New York, you may need additional commercial insurance to meet state law.”

“If you have an emergency when you’re delivering, the Emergency Help button is easy to access from the main menu in the Amazon Flex app. The Emergency Help button offers the option to contact 911 or the Amazon Emergency Helpline for assistance in reporting a safety concern or accident.”

“Your business will use the Hub app to manage partnership operations and the Amazon Delivery app (Flex app) to complete deliveries.”

“Your business holds a valid Certificate of Insurance (COI) while part of Hub Delivery, which includes: General liability: $1M per occurrence / $2M total”

“To partner with Hub Delivery, your business needs active insurance that covers: General liability: $1M per occurrence / $2M total Workers’ comp: As required by law Employer’s liability: $1M”

“Insurance must remain active while you’re in the program. Amazon regularly checks compliance.”

“Use a unique email address not linked to an existing Amazon shopping, Flex, or DSP account to register and get verified.”

“$1,000,000/Accident in Auto Liability $100,000/Accident for Uninsured/Underinsured Motorists coverage $50,000/Contingent* Accident Collision and Comprehensive ($1,000 deductible)”

“*Comprehensive and collision coverages will only apply if you have the coverage on your personal policy.”

“your insurer will provide primary coverage for you while delivering with Amazon, and the commercial auto policy that is maintained by Amazon will be of excess of your policy. If your policy does not provide coverage, the Amazon Commercial Auto policy will provide primary coverage.”

“Due to local regulations, coverage does not apply to drivers in the state of New York.”

“Zurich American Insurance Company is the underwriter.”

“As an independent contractor, it is your responsibility to understand the terms of your personal insurance coverage and to get in touch with your personal insurance company before you start delivering. Your personal insurance company is not required to provide coverage for your Amazon deliveries.”

“Yes, where allowed by state regulations, Amazon maintains a commercial general liability (CGL) that will provide coverage for exposures related to Amazon delivery services (both in-store and off premise). Please Note: Coverage will not apply if you and/or your personnel were in any violation/breach of the Amazon Program Terms.”

“Each Occurrence Limit: $1,000,000 General Aggregate Limit: $2,000,000”

“No, your business is not responsible. Additional details can be found in the Terms of Service.”

“a policy issued or renewed on or after January 1, 2025, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following”

“Every policy of insurance or combination of policies purchased to satisfy the owner's or operator's security requirement of Section 41-12a-301 shall include:”

“If you use your vehicle for any purpose other than driving to work and pleasure use, you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use.”

“Examples of situations where you may need a commercial or business policy, or where you will need to have your current policy changed to provide you with the necessary coverage include, but are not limited to: Delivery (pizza, newspaper)”

“We recommend you discuss any business use of your vehicle with your insurance agent to ensure you are adequately covered.”

“A consultant visiting a client or cleaner traveling between accounts is not the same fact pattern as transporting food, packages, prescriptions, or goods for compensation. Paid delivery should be disclosed by name to the personal carrier and any commercial carrier.”