Parcel Delivery · Amazon DSP* Contractors
BLIS reviews the current delivery agreement, vehicles, drivers, payroll, route territory, safety controls, and loss history before seeking options. Current contracts and insurer forms—not a generic checklist—control the review.
Licensed commercial insurance support across 5 states
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Share your contact information and a few basics about your business. A licensed BLIS representative will review your request.
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Submitting this request does not bind coverage or guarantee a quote. BLIS is licensed in California, Nevada, Arizona, Texas, Florida. CA License 0M74955.
Sending this form does not start coverage or guarantee a quote, price, or coverage result. BLIS will review what you send and may ask for a few more details before discussing available options.
What to expect
A BLIS representative reviews what you share, looks at what your business needs, and follows up if an important detail is missing.
A licensed BLIS representative reads what you send and gets familiar with your business.
We connect your day-to-day work, property, people, and vehicles with the coverage that may matter.
If something important is missing, we’ll ask a few focused questions instead of sending another long form.
When options are available, we help you compare price, limits, deductibles, exclusions, and policy terms.
After coverage starts, BLIS can help with certificates, policy changes, audits, renewals, and claim questions.
Your operation
Vans leave before dawn, routes change, and stations may reload during the day. A Delivery Service Partner manages a fast-moving logistics operation with employees, vehicles, safety expectations, and contract requirements. Coverage needs to keep pace when drivers or vans change and should be built around delivery work—not borrowed from a business that uses a vehicle only occasionally.
Stop density, annual mileage, vehicle count, territory, driver experience, and prior claims can all affect commercial auto price and available options. Frequent backing and curbside parking make last-mile routes different from point-to-point driving, so describe the actual route pattern accurately.
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 an ongoing policy-service responsibility. Insurers may review motor vehicle records, experience, age, violations, training, and the operator’s driver-qualification process. Report changes as the policy requires and confirm that a driver is eligible before assigning a route.
Driver screening is one of the clearest insurance factors a DSP owner can control. MVR checks at hire and periodically thereafter, disqualifying-violation thresholds, and documented training before solo routes all matter. A repeatable hiring standard can support more stable options, while poor records or unclear criteria can limit eligibility.
Territory and route density can affect both options and cost. Dense urban routes bring different congestion, pedestrian, parking, and backing patterns from suburban routes. Describe the geography and daily route pattern accurately so the policy reflects how the fleet actually operates.
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.
High-volume last-mile fleets often have fewer standard insurance options because of frequent driving, a rotating driver pool, and daily time in residential settings. Some businesses may need a specialty or surplus-lines policy. Driver rosters, MVR summaries, fleet schedules, telematics practices, and prior loss runs help establish which choices are realistic.
BLIS organizes the information and helps you compare available options. Eligibility and terms remain the insurer's decision.
Cameras, telematics, and a documented safety program show how the fleet is managed. Insurers may ask how driver data is used for coaching and follow-up. Clear practices can support the policy review, while physical-damage coverage remains important because low-speed contact incidents can add up quickly in dense routes.
Coverage
These are common coverages to consider, not a preset package. The right mix depends on how your business works, your contracts, state requirements, and the policy options available.
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.
What shapes your quote
These details can affect which options are available and what they may cost. You don't need all of them to start — send what you have, and we'll follow up on anything important that's missing.
Coverage examples
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 coverage starts
Once coverage is in place, new contracts or business changes can mean new paperwork. A certificate only summarizes policy information; the policy and its endorsements determine the actual coverage.
FAQ
Commercial auto covers fleet liability and physical damage on covered vans. Delivery contracts may also require an umbrella, general liability, and workers comp. Hired and non-owned auto or EPLI may apply depending on the operation. BLIS reviews the fleet, drivers, routes, payroll, and contract requirements, then helps you compare realistic options.
Dense routes, frequent driver turnover, and all-day residential driving can lead to more auto claims than many other small businesses. That may mean fewer insurer options or a specialty or surplus-lines policy, which is normal for this type of operation. Insurers commonly request driver rosters, MVR summaries, vehicle lists, telematics information, and loss runs showing prior claims. BLIS helps gather those details, compare available options, and explain the next step. The insurer makes the final eligibility and pricing 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. Insurers review every driver, and a frequently changing roster means the policy information can become outdated quickly. A consistent hiring process should cover minimum age and experience, MVR checks at hire and renewal, disqualifying violations, and training before a driver runs solo. Clear records can improve the accuracy of a quote and reduce delays. Keep the driver list current throughout the policy term and for the workers' compensation audit.
They can. Telematics, in-cab cameras, forward-facing cameras, and safety scores can show how the fleet is managed. Insurers may ask whether the business uses that information to coach drivers and prevent repeat incidents. BLIS captures those details so quotes reflect the safety practices already in place.
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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Ready to talk about insurance for your amazon dsp business? Share the basics to get started.
Review DSP CoverageCoverage availability, pricing, terms, conditions, limits, and eligibility depend on the insurer, state, details of the business, claims history, and policy terms. Nothing on this site guarantees coverage, pricing, approval, 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 is not an insurance company; final decisions about coverage, terms, and pricing belong to the insurer.
