Parcel Delivery · Amazon DSP* Contractors
BLIS reviews the current delivery agreement, vehicle schedule, driver roster, payroll, route territory, safety controls, and loss history before preparing the submission. Current documents and carrier forms—not a generic DSP checklist—control the review.
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Complete the required contact fields and a few business details. A licensed BLIS representative will review the request.
We only use this information to review your insurance request. BLIS is licensed in California, Nevada, Arizona, Texas, Florida. CA License 0M74955.
Submitting this form does not bind coverage and does not promise a specific quote, price, or coverage outcome. BLIS reviews submitted details and may follow up for information needed to evaluate the account.
What to expect
A BLIS representative reviews the information you submit and follows up if something important is missing.
Your details get read against what carriers actually want for your kind of account — not routed through a form stack.
How you operate maps to the coverage lines and markets that fit the risk.
If something important is missing, a few targeted questions — not another long form.
Coverage, exclusions, carrier fit, and cost — side by side, not just price.
Certificates, endorsements, audits, renewals, policy changes — handled.
Your operation
Vans out before dawn, routes assigned, stations reloaded mid-day. A Delivery Service Partner runs more like a logistics operation than a small business. Carriers underwrite it accordingly. The employee roster turns over. The driver pool is large and always changing. Every van on the road is a covered vehicle under the commercial auto policy. The delivery agreement sets the coverage floor before a single route runs. An off-the-shelf policy written for a plumber or a florist does not reach this class. The account has to be built around how a DSP actually operates.
Stop density, annual mileage, vehicle count, territory, driver experience, and prior losses can all affect commercial-auto underwriting. Frequent backing, curbside parking, and residential-street driving distinguish last-mile routes from point-to-point commercial use, so the application should describe the actual route pattern.
The current delivery agreement may specify auto, general liability, workers compensation, umbrella or excess limits, and particular endorsements. Those requirements can change. Send the insurance section to BLIS so we can compare it with the proposed policy and request carrier-approved documents where available. Your attorney should interpret the contract itself.
A changing driver roster creates a continuing underwriting and service obligation. Carriers may review motor vehicle records, experience, age, violations, training, and the operator’s driver-qualification process. Report driver changes as the policy requires and confirm eligibility before assigning a route.
The screening process is a direct underwriting input. MVR pulls at hire and periodically thereafter, disqualifying-violation thresholds, documented training before solo routes — carriers look for these elements specifically when evaluating a DSP account. An operator that cannot describe its hiring criteria is harder to place. One that runs drivers with poor records is harder still.
A disciplined driver program is one of the clearest levers a DSP owner controls directly.
Territory and route density shape how carriers evaluate the account. Dense urban routes can present different congestion, pedestrian, parking, and backing exposures than suburban routes. Describing the geography and daily route pattern accurately helps underwriters assess the operation.
Workers' compensation and occupational accident are different products. Employee obligations vary by state and entity type; Texas generally permits many private employers to operate as nonsubscribers, subject to exceptions and consequences. Occupational accident is not a substitute where workers' compensation is legally required.
Confirm worker classification and legal obligations with counsel or the applicable state authority.
A certificate summarizes policy information; it does not create additional-insured status or change coverage. When the current agreement requests an endorsement, BLIS can compare the request with the policy and ask the carrier to issue available forms. The carrier-issued policy and endorsements control.
This class draws closer underwriting review than most small commercial accounts. High auto frequency, a large rotating driver pool, and the loss potential of a delivery van in a residential setting all contribute. Some standard markets have limited appetite for high-volume last-mile fleets. Accounts are sometimes placed through specialty or surplus-lines carriers.
Documentation is what moves the account forward in those markets. Carriers ask for driver rosters, MVR summaries, fleet schedules, telematics practices, and prior loss runs. BLIS organizes that picture and presents the account to markets that consider this class. Placement is the carrier's decision based on its own underwriting.
Cameras, telematics, and a documented safety program give underwriters more to work with. DSP fleets are actively managed — vans are added and rotated, safety scoring runs daily, in-cab data is collected. Carriers increasingly ask how that data is used to coach drivers and address risk. A documented safety program can influence how the account is viewed.
Physical damage is a real cost line for a fleet this size; low-speed contact incidents in dense routing are where those costs accumulate.
Coverage
These are common lines to evaluate, not a preset package. Your operations, current contracts, state requirements, and the carrier's policy forms determine the final program.
A core line for owned or leased delivery fleets. Liability, physical damage, covered-auto symbols, drivers, vehicle schedules, radius, and use must be reviewed separately. Personal-auto forms are generally not designed for regular parcel delivery, but the actual policy language controls.
DSP operators are employers. Workers' comp responds to on-the-job injury under state law. Delivery driving is physically demanding: repetitive lifting, stairs, curbs, weather, and vehicle incidents accumulate across a large workforce. Payroll classification for delivery associates matters directly to premium. Accurate reporting for a workforce that turns over frequently matters to the year-end audit. Statutory coverage for an employer model. Not the same thing as an occupational accident policy.
A current agreement may require limits above auto or GL. An umbrella or excess policy can respond after a covered, scheduled underlying policy reaches its applicable limit, subject to attachment, maintenance, exclusions, and the excess form.
Off the vehicle, GL is the responding line. A package left in a walkway, damage to a customer's property during a foot delivery — these sit outside commercial auto. Contracts commonly require GL alongside auto and workers comp, often with additional insured and primary/non-contributory language. For a DSP, GL is a supporting line, not the driver. But the limits and endorsements still have to be in place for the account to satisfy its contract.
If employees use personal cars or the company rents vehicles, hired and non-owned auto may address the business's liability for covered use. It generally does not pay for physical damage to an employee's vehicle, and coverage depends on the applicable symbols, endorsements, and exclusions.
Comprehensive and collision on the vans is its own cost line. Vehicle count and the frequency of low-speed contact incidents in dense routing both drive it. Owned versus leased titling affects the structure. Deductible choices compound across a large fleet. A single van out of service during repair has real operating cost — structuring physical damage carefully is part of keeping routes running when a vehicle is down.
A large, high-turnover hourly workforce means employment practices exposure scales with headcount. Claims alleging wrongful termination, discrimination, or wage-and-hour issues are the types that arise. EPLI covers what commercial auto, GL, and workers' comp do not. Defense costs for an employment claim can be meaningful even when the claim does not succeed. Worth evaluating as the associate roster grows.
Quote factors
These are the details that can shape eligibility, terms, and pricing. You don't need all of them to start — send what you have, and we'll follow up on anything important that's missing.
Illustrative scenarios
A few situations that show how coverage can respond when something goes wrong. These are examples only — not actual claims, and not a guarantee of any outcome.
A delivery associate driving a branded company van on a dense residential route strikes another vehicle while pulling away from a stop. The other driver reports injuries and vehicle damage. Because of the number of stops and the setting, a claim like this can involve meaningful bodily-injury and property-damage exposure.
Commercial auto liability can respond to third-party injury and property damage arising from the covered vehicle and the employee operating it for business use. An umbrella or excess layer can respond above the primary auto limit if the claim is severe — subject to the policy's terms, limits, and exclusions. A personal auto policy in the driver's name would typically exclude business use of an employer's vehicle.
That leaves a gap if the operation relied on it.
A delivery associate slips on ice while carrying packages up a walkway during a route. The associate injures a knee and misses several weeks of work. Workers' compensation can respond to medical treatment and a portion of lost wages for an employee injured in the course of employment, subject to the policy's terms. State law governs the specific benefits.
This is the statutory employer coverage for an on-the-job injury. An occupational accident policy is a different product sometimes used in independent-contractor models. It is not a substitute for statutory workers' compensation for an employer-model DSP operation.
A delivery business must provide a certificate of insurance before it can continue operating under its agreement. The certificate must show specific commercial auto and umbrella limits, an additional insured, and primary and non-contributory language. When the requesting party runs a compliance check, the certificate must be backed by the actual policy endorsements — not just the right numbers on its face.
This is a service situation rather than a claim. BLIS supports certificate issuance and works to confirm that the endorsements the contract requires are genuinely reflected in the policy language. The specific requirements come from the contract, which the operator should review with its own advisors.
While carrying a heavy package to a doorstep, a delivery associate damages a customer's exterior fixture. The customer submits a property-damage claim. That claim is not tied to operating the van — it falls outside the auto exposure. General liability can respond to third-party property damage from the business's on-foot operations, subject to the policy's terms and exclusions.
The claim scenarios above are illustrative examples only. They do not represent actual clients, actual claims, or guaranteed coverage outcomes. Coverage for any specific situation depends on the policy terms, conditions, exclusions, and the facts of the claim.
After you bind
After a carrier binds coverage, contracts and operational changes can create new documentation needs. A certificate summarizes policy information; the policy and its endorsements control coverage.
FAQ
Commercial auto is the center of the program. It covers liability for the fleet and physical damage on the vans. An umbrella or excess layer stacks above the primary auto and GL limits. Delivery contracts commonly require both. Workers' compensation covers the driver workforce under state law. General liability is also required. Hired and non-owned auto and employment practices liability are added depending on operations and headcount. BLIS reviews fleet size, driver roster, route density, payroll, and contract requirements. Then we work to present the account to markets that consider this class.
Three things draw closer underwriting scrutiny here. High auto frequency from dense routing. A large driver pool that turns over often. The loss potential of a delivery van in residential settings all day. Standard markets can have limited appetite for this class. Accounts are sometimes placed through specialty or surplus-lines carriers — normal for this type of operation. Documentation is what moves the account forward. Carriers ask for driver rosters, MVR summaries, fleet schedules, telematics data, and prior loss runs. BLIS organizes that picture and presents it. Placement is the carrier's decision.
Vehicle count and daily route volume are the primary commercial auto cost drivers. Annual mileage and route density — stops per route, territory congestion — affect frequency exposure. The driver roster matters: how many drivers are on the account, how often it turns over, and the quality of the MVR process all feed the evaluation. Payroll drives workers' compensation premium directly. Prior loss history is reviewed carefully. Telematics adoption and a documented safety program can influence how the account is viewed. BLIS reviews these characteristics and provides context on where pricing is likely to land.
Send the insurance-requirements section of your agreement to BLIS. We work to structure a program that meets those limits — commercial auto, umbrella, GL, workers' comp, additional insured, primary/non-contributory language. We also work to confirm the certificate is backed by the actual policy endorsements, not just showing the right numbers on its face. One note: whether a policy fully satisfies a specific contractual obligation is a question for your own review. This is insurance guidance, not legal advice — confirm your contract's requirements with your attorney or advisors.
Different products, different operating models. Workers' compensation is the statutory employer coverage for on-the-job injury. It is governed by state law and covers medical treatment and a portion of lost wages. Occupational accident insurance is a non-statutory product associated with independent-contractor arrangements. It provides a more limited set of benefits and operates outside the statutory framework. A DSP with W-2 employees generally needs statutory workers' comp. Substituting an occupational accident policy creates a coverage gap and a compliance problem. BLIS helps clarify which coverage the operating model calls for. This is general information — confirm specifics with your state's workers' comp authority or an attorney.
Significantly. Carriers writing this class evaluate every driver on the account. A large roster in constant turnover means the driver population is always changing. Markets expect a documented hiring process: minimum age and experience requirements, MVR pulls at hire and periodically thereafter, disqualifying-violation thresholds, and documented training before a driver runs solo. A repeatable, documented driver program is a direct underwriting input. An operator that can describe its screening criteria is a cleaner account to present. One that cannot is harder to place. Because the roster changes constantly, adding and removing drivers is a routine mid-term service item. Keeping the driver list current also matters at the workers' comp audit.
They can. DSP fleets are actively managed. Telematics, in-cab cameras, forward-facing cameras, and safety scoring are standard tools. Carriers increasingly ask whether that data is used to coach drivers and address risk. Describing your telematics adoption, how the data is applied, and what safety outcomes it produces gives underwriters more to work with. BLIS captures those operational details during intake. The goal is a submission that presents a complete picture of how the fleet is run.
Amazon DSP agreements commonly include commercial auto requirements, but the current contract is the source of truth for limits, endorsements, and proof. Personal auto policies may restrict or exclude delivery or regular commercial use. The owned-vehicle schedule, physical-damage selections, rented vehicles, and personal vehicles used for company business should all be reviewed; hired and non-owned auto coverage may address some non-owned liability exposures, subject to its terms.
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Review DSP CoverageCoverage availability, pricing, terms, conditions, and eligibility depend on underwriting, carrier guidelines, state, operations, loss history, policy terms, and other risk-specific factors. Nothing on this site guarantees coverage, pricing, placement, or savings.
Examples are hypothetical and illustrative. They show how a coverage can respond, not a promise that any specific claim will be covered. Actual coverage depends on your policy’s terms, conditions, and exclusions.
Blue Lagoon Insurance Services, LLC is an independent insurance agency and is not affiliated with Amazon, FedEx, UPS, or any other parcel delivery service.
Blue Lagoon Insurance Services, LLC is an independent insurance agency licensed in California (0M74955), Nevada (3983946), Arizona (3003332484), Texas (2966873), and Florida (L120266). BLIS does not underwrite insurance; coverage and underwriting decisions are made by the insurance carrier.
