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Last-Mile & Delivery Insurance
Delivery insurance for couriers, cargo vans, and Amazon DSP fleets
Commercial auto, cargo, and the full coverage stack last-mile delivery businesses run on. We know the Amazon DSP requirements line by line, so your certificate passes the first time.
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- Commercial Trucking Insurance
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Quick Answer: Delivery and last-mile insurance protects courier and delivery businesses against the everyday risks of putting drivers and packages on the road. The core is commercial auto liability, plus hired and non-owned auto, workers compensation, cargo coverage, and general liability. Amazon DSPs also need a $5 million umbrella and specific additional insured wording. Costs range from about $2,500 a year for a solo courier to $40,000 to $80,000+ for a full DSP fleet.
What a delivery insurance program covers
A complete program stacks several coverages. We build the right combination for your fleet, your drivers, and your contracts.
Commercial auto liability
The backbone of every delivery policy. Covers bodily injury and property damage from an accident on the route. Amazon DSPs need a $1 million combined single limit.
Hired & non-owned auto
Protects your business when drivers use vehicles you do not own for work, even driving to the station. Required by Amazon and missed by most generic policies. See hired and non-owned auto.
Workers compensation
Covers driver injuries from loading, unloading, and accidents. Required in most states, and DSP drivers must be W-2 employees. See workers comp.
Cargo coverage
Pays for the packages and goods you carry if they are lost, stolen, or damaged in transit. Amazon requires cargo legal liability over $25,000 per loss.
General liability
Covers third-party injury and property damage off the road, such as a package left in a doorway that causes a fall. Handled through general liability.
Commercial umbrella
Extra limits over your auto and liability policies. Amazon requires a $5 million umbrella, where most agents quote too little. See commercial umbrella.
For Amazon DSP owners
We know the DSP Program requirements line by line
Amazon does not publish a simple checklist, and its automated system rejects certificates with the wrong limits or generic additional insured wording, delaying launches and costing routes. Here is exactly what the program requires:
✓Commercial auto liability at a $1,000,000 combined single limit
✓General liability of $1,000,000 per occurrence and $2,000,000 aggregate
✓Workers compensation with $1,000,000 employer's liability limits
✓Cargo legal liability greater than $25,000 per loss
✓A $5,000,000 commercial umbrella over auto and general liability
✓Amazon named as additional insured with specific endorsement language, primary and non-contributory
✓Drivers classified as W-2 employees, and carriers rated A- or better
We build the program to match, issue a certificate that passes Amazon's audit, and keep you compliant so a lapse never suspends your routes.
Why delivery businesses need specialized coverage
Last-mile delivery is one of the fastest-growing corners of commercial transportation, and it carries real exposure: drivers on the road all day, tight schedules, and customers' goods in every vehicle. The biggest trap is the personal auto policy. Personal coverage almost always excludes business and delivery use, so a crash on the route can be denied outright, leaving the owner personally exposed.
Most delivery vans sit below the 10,001-pound threshold that triggers federal FMCSA registration, so owners assume light requirements, but they still need full commercial auto, cargo, and liability coverage, and contracts like Amazon's raise the bar much higher. As an independent brokerage we shop carriers that specialize in delivery and last-mile risk, layer the coverage correctly, and connect this to your box truck or commercial trucking coverage as your fleet grows.
What delivery insurance costs
Cost scales with fleet size, payroll, vehicles, and contract requirements. Typical ranges by profile:
| Delivery business profile | Typical annual |
|---|---|
| Independent courier (1 van, auto + general liability) | $2,500 to $6,000 |
| Growing delivery business (3 to 10 vehicles) | $15,000 to $40,000 |
| Amazon DSP fleet (20 to 40 vans, full program) | $40,000 to $80,000+ |
Ranges are 2026 estimates for budgeting, not quotes. Commercial auto and workers compensation are the largest drivers, and the required $5 million umbrella adds meaningful cost on DSP programs.
What our clients say
Why delivery businesses choose Pro Insurance Group
We know the DSP rules
Exact limits, the $5M umbrella, and the additional insured language Amazon's system actually accepts.
Independent market access
We shop carriers that specialize in delivery and last-mile risk instead of forcing a generic policy.
Fast, audit-ready COIs
Certificates and additional insureds turned around fast, so a launch or contract never waits on us.
We grow with you
From one van to a full fleet, we adjust coverage as you add vehicles, drivers, and routes.
Delivery insurance FAQ
What insurance does a delivery business need?
Most delivery businesses need commercial auto liability as the foundation, plus hired and non-owned auto, workers compensation for drivers, cargo coverage for the goods you carry, and general liability. Larger operations and Amazon DSPs also need a commercial umbrella. The right mix depends on your fleet size and contracts.
What are Amazon's DSP insurance requirements?
Amazon's Delivery Service Partner program requires commercial auto liability at a $1,000,000 combined single limit, general liability of $1,000,000 per occurrence and $2,000,000 aggregate, statutory workers compensation with $1,000,000 employer's liability, cargo legal liability over $25,000, and a $5,000,000 commercial umbrella. Amazon must be named as additional insured with specific endorsement language, drivers must be W-2 employees, and carriers must be rated A- or better.
How much does delivery or DSP insurance cost?
An independent courier with one van and liability may pay $2,500 to $6,000 per year. A growing delivery business with several vehicles runs $15,000 to $40,000, and a full Amazon DSP fleet of 20 to 40 vans commonly costs $40,000 to $80,000 or more per year. Fleet size, payroll, location, and claims history drive the price.
Does my personal auto policy cover delivery driving?
No. Personal auto policies almost always exclude business and delivery use, so a claim while delivering can be denied. Delivery work requires a commercial auto policy, and any driver using a vehicle not owned by the business needs hired and non-owned auto coverage.
What is hired and non-owned auto and do I need it?
Hired and non-owned auto covers your business when employees drive vehicles you do not own for work, even just driving to the station. Amazon requires it, and most delivery operations need it because a personal policy will not respond to a business-use claim.
Do delivery drivers need to be W-2 employees?
For Amazon DSPs, yes. Amazon does not accept 1099 contractors for delivery routes, and drivers must be W-2 employees covered by workers compensation. Other delivery models may differ, but misclassifying drivers is a common and costly mistake.
Get your delivery business covered today
Whether you run one van or a full DSP fleet, a licensed advisor will build a compliant program and shop it across carriers. No pressure.
Get My Delivery Quote Call 833-776-4671NF
Reviewed by Neal Fusco, VP Commercial Lines
25+ years placing commercial auto and transportation coverage across Illinois and 40+ states.
Pro Insurance Group is an independent insurance brokerage and is not affiliated with, endorsed by, or sponsored by Amazon.com, Inc. or its subsidiaries. Amazon and Delivery Service Partner are trademarks of Amazon.com, Inc. Requirements are summarized for general guidance and may change; always confirm current terms in your DSP agreement.
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