Prime Protection

Amazon Delivery Service Partner Insurance

If you’re an Amazon DSP or are considering becoming one, you’ll need to insure your business. There are some basic commercial insurance coverages that you’ll need. Let’s quickly run through some here. We can help protect your business and ensure you comply with Amazon’s standards.

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Amazon Requires

  • General Liability
  • Commercial Auto
  • Cargo Liability
  • Workers Compenation

Consider These

  • Property Insurance
  • Excess/Umbrella Insurance
  • Cyber Insurance
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There are several basic insurance coverages Amazon will require of you as a DSP. We also recommend you consider some additional coverages as a business owner.

Liability insurance is one that applies to nearly every business operation.

Required by Amazon

Commercial General Liability

As a business owner, you are potentially liable for every product, service, and operation relating to your business. While sound procedures may be stressed throughout your organization, the fact remains that no person or machine is perfect. Despite your best efforts, harm caused to a third party relating to your business could lead to litigation. Commercial general liability insurance is designed to protect business owners and assets from a variety of exposures. You can learn more about commercial general liability insurance here.

Commercial Auto

Commercial or business auto insurance is crucial since DSPs are couriers doing business primarily behind the wheel. You’re probably already familiar with the basics of auto insurance from your personal auto policy. Commercial auto policies are a little bit different as they are designed to protect your business. In this case, your commercial auto policy will also protect Amazon.

Cargo Liability

Cargo insurance is crucial because your business is responsible for the cargo you get from Amazon from the time you pick it up until you hand it over to the customer. This coverage will protect your business from claims of damage or loss of packages.

Workers Compensation

If you employ any number of workers who are not considered owners of the business, then you are legally required to maintain a workers compensation policy. You do your best to maintain a safe work environment, but if any of your employees are injured or become ill on the job, you are legally responsible. A workers compensation policy can cover the payment of your employee’s medical expenses, lost wages, and rehabilitation costs.

Consider These Coverages

Property Insurance

Imagine a fire breaks out and you lose your entire inventory. Or your business is burglarized causing physical damage and possibly lost assets. Your ability to recover from these incidents is dependent on your commercial property insurance.


Without an excess or umbrella policy, a catastrophic claim could deplete your future income and business assets. Every business is vulnerable to devastating losses and lawsuits that could exceed your primary insurance coverage. This is a critical coverage—especially for small to mid-sized businesses.


Today, cybercrime runs rampant. Data breaches are an all-too-common occurrence and are commonly targeted towards small businesses. If you store sensitive customer information, such as account numbers, driver’s license numbers, and credit card numbers, and you are the victim of a data breach, you are liable for any damages caused by the breached information.

Other Beneficial Policies

Flood & Earthquake

Your basic insurance policy does not protect you against damage from earthquakes and floods. Whether you are in a high-risk area or moderate-to-low risk area, you should consider adding earthquake and flood insurance to your business insurance policy. More than half of all flood claims occur in areas considered to have low flood exposure, and each year there are around 5,000 earthquakes in the United States.

Inland Marine

Do you have business equipment, materials, or supplies in transit? Do you store business property in an off-site location? Inland marine coverage protects your most valuable business property or equipment wherever it may be.

Where do I start?

Business insurance can be a complex process of finding the insurance policy that best fits your needs. We’re here to help you identify your potential risks and liabilities and then work with you to tailor a policy that will protect your business. Let’s get started protecting what’s yours.

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