Why do Amazon Flex delivery drivers need insurance?
Amazon Flex can be a convenient way to earn extra money driving your own vehicle. However, if you get into an accident, your job might cost you more than you earn. Business insurance protects against legal costs from accidents and injuries, and it's often required by law.
Find the right coverage
Insureon helps Amazon Flex delivery drivers find insurance quotes that match their unique risks.
Get free expert advice and peace of mind knowing you have the right insurance coverage for your small business.
What types of insurance does an Amazon Flex driver need?
General liability insurance
General liability covers common lawsuits brought by people outside your business, such as a customer who sues because their dog was injured in an interaction with an Amazon Flex driver.
- Personal injury lawsuits
- Accidental property damage
- Copyright infringement claims
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for Amazon Flex delivery partners to buy general liability coverage and commercial property insurance together.
- Accidents that harm customers
- Stolen or damaged business property
- Business interruption insurance
Commercial auto insurance
This policy covers financial losses in the event of an auto accident involving the vehicle you drive for Amazon. Most states require this coverage for vehicles owned by a business.
- Injuries caused by your vehicle
- Property damaged by your vehicle
- Theft or vandalism of a delivery vehicle
Workers' compensation insurance
Most states require workers' comp for delivery companies that have employees. It also covers work-related medical costs for sole proprietors, which personal health insurance can deny.
- Employee medical expenses
- Disability benefits
- Lawsuits from injured workers
Cyber insurance
This policy helps Amazon Flex delivery businesses recover from a data breach or cyberattack. It's recommended for any business that handles personal information.
- Data breach investigations
- Fraud monitoring services
- Cyber extortion demands
Errors and omissions insurance
E&O insurance covers legal costs related to your work performance, such as a customer who sues over a late delivery. It's also called professional liability insurance.
- Late or undelivered packages
- Damaged or missing items
- Items left at the wrong address
How much is Amazon Flex delivery driver insurance?
An Amazon Flex driver who works independently can expect to pay less for insurance than a Delivery Service Partner (DSP) that hires drivers.
Factors that affect the cost of business insurance include:
- Type of business
- Value of your vehicle and business property
- Business income
- Where you operate
- Types of business insurance purchased
- Policy limits and deductibles
- Driving record of you or your employees
How do I get Amazon Flex insurance coverage?
It’s easy to get Amazon Flex insurance if you have your business information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. Small business owners can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose a policy.
- Pay for your policy and download a certificate.
Insureon's licensed agents work with top-rated U.S. insurance companies to find affordable coverage that matches the risks of driving for Amazon, whether you're an independent contractor or a Delivery Service Partner who hires full-time employees.
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FAQs about Amazon Flex business insurance
What insurance do you need for Amazon Flex?
Drivers for Amazon Flex need their own insurance in addition to that supplied by Amazon during their delivery blocks.
All drivers, except for those in New York, are provided with a commercial auto insurance policy that includes:
- $1 million in auto liability coverage
- Uninsured motorist/underinsured motorist coverage
- Contingent comprehensive and collision coverage
In addition, you need a personal auto insurance policy that meets your state's requirements to serve as the first line of defense.
Amazon's policy provides coverage while you are actively making deliveries or on your way to pick up packages. It only includes comprehensive and collision insurance if your personal car insurance includes them as well.
If your business hires drivers as employees, then you must provide them with workers' compensation insurance to comply with state laws.
What do you need to qualify for Amazon Flex?
To become an Amazon Flex driver, you must meet the specific requirements outlined by Amazon.
Drivers must:
- Live in an area where Amazon Flex operates
- Be 21 or older
- Have a valid driver's license
- Have a mid-sized or larger personal vehicle and insurance
- Have an iPhone or Android smartphone
- Have a bank account
Do I need extra insurance to drive for Amazon Flex?
Amazon's coverage provides financial protection if you're involved in a car accident, but it doesn't cover risks beyond your driving.
Delivery drivers might also want to carry:
- Cargo insurance to protect against damage, loss, or theft of the items you deliver.
- Commercial property insurance to help your business recover from a storm, fire, or other incident that damages your office or its contents.
- Inland marine insurance to reimburse you for damaged, destroyed, or stolen business property that travels with you.