Amazon DSP Insurance

Commercial Auto · CGL · Workers' Comp · Cargo · Umbrella

Amazon DSP Insurance

Commercial Auto · CGL · Workers' Comp · Cargo · Umbrella — Coverage Built for Oregon Delivery Service Partners

Amazon DSP Insurance Program

Amazon Delivery Service Partners operate as independent businesses — which means you are fully responsible for your own insurance. Amazon requires DSPs to carry commercial auto liability, commercial general liability, workers' compensation, and cargo legal liability as a condition of your Operating Agreement, and compliance is monitored continuously.

Gerald Ross Agency specializes in building insurance packages for Amazon DSPs throughout Oregon and the Pacific Northwest. We understand the DSP contract requirements, know which carriers offer the most competitive rates for last-mile delivery fleets, and can issue certificates of insurance the same day your policy is bound. We are independent of the Marsh DSP program — meaning we shop 50+ carriers on your behalf to find the best combination of price and protection.

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Required & Recommended Coverages for Amazon DSPs

Commercial Auto Liability

Amazon minimum: $1,000,000 CSL

Covers bodily injury and property damage your drivers cause while operating Amazon-branded or company vehicles. This is the single largest cost in a DSP insurance package and the coverage Amazon monitors most closely.

Commercial General Liability (CGL)

Amazon minimum: $1,000,000 per occurrence / $2,000,000 aggregate

Covers slip-and-fall claims at customer properties, property damage during delivery, and other non-auto liability exposures. Amazon requires you to name Amazon.com Services LLC as an additional insured.

Workers' Compensation

Oregon law: mandatory for all employees

Oregon requires workers' comp for every employee — including part-time and seasonal drivers. Failure to carry it exposes you to ORS 656 penalties and personal liability for injured workers' medical costs and lost wages.

Cargo Legal Liability

Amazon minimum: $100,000

Covers loss or damage to Amazon packages in your custody. Standard commercial auto policies exclude cargo — this must be written as a separate inland marine or motor truck cargo policy.

Hired & Non-Owned Auto (HNOA)

Recommended

Covers liability when employees use their personal vehicles for business errands related to your DSP operation. Without it, a personal auto policy may deny the claim and leave you exposed.

Umbrella / Excess Liability

Strongly recommended

Provides an additional layer of protection above your auto and CGL limits. A single serious accident can exhaust a $1M limit — umbrella coverage at $1M–$5M is inexpensive relative to the protection it provides.

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Amazon DSP Insurance Quote Request

A local agent will review your DSP operation and contact you within one business day with coverage options and pricing.

Why Oregon Amazon DSPs Choose Gerald Ross Agency

Amazon DSP Contract Expertise

We know exactly what Amazon requires of its Delivery Service Partners and build packages that satisfy every minimum — commercial auto, CGL, workers' comp, and cargo.

Fleet Specialists

From 5-van startups to 40+ vehicle operations, we find competitive rates from carriers who specialize in last-mile delivery fleets.

Independent of Marsh

Amazon's Marsh program is convenient but not always the best price. As an independent agency, we shop 50+ carriers to find coverage that may beat the program rate.