Why do Amazon Relay businesses need insurance?
If you're involved in an accident, the resulting legal expenses could bankrupt your trucking business. Commercial insurance covers financial losses so you can get back to work fast after an accident, injury, or fire. It also helps you comply with Amazon Relay requirements.
Find affordable coverage
With Insureon, Amazon Relay drivers can get free quotes from top-rated insurance companies.
Fill out our easy online application to receive quotes and personalized guidance from our insurance experts.
What kind of insurance do you need for an Amazon Relay business?
These insurance policies protect against common risks faced by carriers that book loads from Amazon Relay.
General liability insurance
This policy covers legal costs from third-party risks, such as a loading dock accident that injures someone outside your company. It's required for all Amazon Relay carriers.
- Slip-and-fall accidents
- Damage to someone else's property
- Libel and other advertising injuries
Business owner's policy
A BOP is a cost-effective way for Amazon trucking businesses to buy general liability coverage and commercial property insurance together. It covers common liability and property claims.
- Harm caused to third parties
- Stolen or damaged business property
- Business interruption insurance
Commercial auto insurance
Commercial auto insurance helps pay for legal costs and other expenses from an accident involving an Amazon Relay carrier's truck. Each state has its own laws for trucking insurance.
- Injuries caused by your truck
- Property damaged by your truck
- Vehicle vandalism and theft
Workers’ compensation insurance
Most states require workers' comp for Amazon Relay companies that have employees. It also covers work-related medical bills for sole proprietors, which personal health insurance could deny.
- Employee medical costs
- Disability benefits
- Lawsuits from workplace injuries
Errors and omissions insurance
This policy covers legal expenses if an Amazon Relay business is sued for professional negligence. It's sometimes referred to as E&O insurance or professional liability insurance.
- Breach of contract
- Delays that cause financial loss
- Errors and oversights
Cyber insurance
This policy helps Amazon relay drivers recover financially from cyberattacks and data breaches. It's sometimes called cyber liability insurance or cybersecurity insurance.
- Ransomware attacks
- Data breach investigations
- Customer notification costs
How much does Amazon Relay insurance cost?
An independent trucker who takes on short-term contracts won’t have to pay a lot for insurance.
Providers look at different aspects of your Amazon Relay business to determine your commercial insurance rates, including:
- Business revenue
- Type of truck and trailer
- Type of Amazon loads transported
- Number of employees
- Employee driving records and experience
- Types of coverage purchased, such as comprehensive coverage
- Claims history
- Policy limits and deductibles
How do I get Amazon Relay truck insurance?
It's easy to get insurance for your Amazon Relay truck and business operations with Insureon. To get started, you'll need to have some basic information about your company available.
Our application will ask you for your annual revenue and payroll, number of vehicles, and other business details. You can buy a policy online and get a certificate of insurance in three easy steps:
- Complete a free online application.
- Compare quotes from top-rated insurers and choose a policy.
- Pay for your policy and download a certificate for proof of insurance.
Insureon's licensed agents work with leading carriers to find the right commercial truck insurance for your business, whether you're a single owner operator or you hire employees.
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FAQs about Amazon Relay insurance requirements
Review answers to frequently asked questions about the Amazon Relay program.
What are the vehicle requirements for Amazon Relay load drivers?
In addition to federal and state laws, Amazon Relay carriers and truck drivers must comply with Amazon's regulations in order to carry loads.
That includes:
- An active DOT number with interstate authority and a valid MC number
- A carrier entity type authorized for property and for hire
- A Federal Motor Carrier Safety Administration (FMCSA) safety rating of satisfactory, none, or not rated
Carriers must score below the following percentages in the FMCSA's Behavior Analysis and Safety Improvement Categories (BASIC):
- Unsafe driving: 60%
- Hours of service (HOS) compliance: 60%
- Vehicle maintenance: 75%
- Controlled substances/alcohol: 75%
- Driver fitness: 75%
Amazon Relay permits a wide range of trucks and trailers, including day cabs, sleeper cabs, dry van trailers, refrigerated trucks (reefers), and box trucks. However, cargo vans are not permitted.
What type of insurance does Amazon require for Amazon Relay businesses?
Amazon requires the following insurance coverages for Relay trucking companies:
- Commercial general liability insurance: $1 million per occurrence; $2 million aggregate
- Auto liability insurance: $1 million per occurrence (including trailer replacement coverage of $50,000)
- Cargo coverage: $100,000
- Workers’ compensation insurance: In every state where you operate
- Employer's liability insurance: $100,000 per occurrence