
Delivery routes covered, driver by driver.
Workers' compensation, commercial auto and liability for Amazon Delivery Service Partners, courier companies and last-mile delivery fleets.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed November 2026 · En español · How this page is researched
Workers' comp is the hard part
Delivery drivers lift, climb and drive all day, so workers' compensation is usually a DSP's largest insurance cost and the hardest to place. Many carriers won't write last-mile delivery at all.
I place DSP and courier workers' comp with markets that write the class, and coordinate it with the auto, liability and umbrella coverage your contract requires.
- Workers' compDrivers and helpers, rated on payroll.
- Commercial autoVans you own, lease or rent.
- General liabilityProperty damage and injuries on routes.
- UmbrellaHigher limits over auto and liability.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Company: entity, years in business and address.
- Fleet: number of vans and how they're owned.
- Drivers: number of drivers and routes per day.
- Payroll: annual payroll by role.
- Contract: the insurance requirements you've been given.
- History: current policies and loss runs.
Heat rules when the van is the workplace
A driver works outdoors at each stop and inside a vehicle, so two Cal/OSHA heat standards can reach one route. Heat illness is a workers' comp exposure, and I ask for your written heat plan when I prepare a workers' comp submission.
- Outdoor work (Title 8, section 3395). Water must be fresh, pure, suitably cool and free; where it isn't plumbed, there must be enough for one quart per employee per hour for the shift, or effective procedures to replenish it. Shade must be present when it's above 80 degrees, and a car sitting in the sun isn't acceptable shade unless it's running with air conditioning.
- Cool-down rests. Employees may take a preventative cool-down rest in the shade when they feel the need. They can't be ordered back until signs of heat illness have abated, and never sooner than 5 minutes beyond the time needed to reach the shade.
- High-heat procedures at 95 degrees. These apply only to listed industries, including transportation or delivery of agricultural products, construction materials or other heavy materials, such as furniture, freight or cargo, but not work that consists of operating an air-conditioned vehicle with no loading or unloading.
- Indoor work (section 3396). It applies to enclosed work areas at 82 degrees, with all provisions, including control measures, at 87 degrees (temperature or heat index) or at 82 with heat-restrictive clothing or high radiant heat. Exposures below 95 degrees for under 15 minutes in any 60 are exempt, except in vehicles without effective and functioning air conditioning.
- Training and a written plan. Employees and supervisors are trained before heat-exposed work, and the plan is in English and the language most employees understand.
Keep training records and an A/C log per van. Outside California, heat rules vary by state.
When a heavier truck brings in FMCSA rules
I list every vehicle's gross vehicle weight rating (GVWR). Under 49 CFR 390.5, a vehicle used on a highway in interstate commerce to carry property is a commercial motor vehicle (CMV) when its GVWR, gross combination weight rating, gross vehicle weight or gross combination weight, whichever is greater, is 10,001 pounds or more.
- Interstate commerce. It includes trips within one state that are part of transportation beginning or ending outside the state.
- Medical certification. Under 49 CFR 391.41, a driver subject to Part 391 must be medically certified as physically qualified and, with limited exceptions, carry the original or a copy of a current medical examiner's certificate on duty.
- Hours of service. Under 49 CFR 395.3, a property-carrying CMV driver needs 10 consecutive hours off, then may drive 11 hours and not past 14 hours after coming on duty. After 8 hours of driving, a 30-minute break from driving is required unless a short-haul exception applies.
- Short-haul exception. Under 395.1(e)(1), a driver who stays within 150 air miles of the normal work reporting location, is released there within 14 consecutive hours, and has 10 hours off between each 14 on duty is exempt from the logbook rules. The carrier keeps 6 months of time records: report time, on-duty hours and release time.
If you add a box truck at or over the line, I'll ask for medical cards, time records and driver files. See box truck insurance and whether a box truck needs a CDL, and tell me before it goes into service so I can ask the carrier to add it to your commercial auto policy.
Amazon DSP insurance, answered
What insurance does an Amazon DSP need?
Typically workers' compensation, auto liability and physical damage, general liability and umbrella, at the limits in your agreement. I'll build the program around those requirements.
Why is DSP workers' comp so expensive?
Delivery work has frequent strains, falls and vehicle injuries. Payroll accuracy, safety programs and a clean loss history help.
Can a new DSP get coverage?
Yes, usually through specialty markets. Experience in delivery or logistics helps.
Are my drivers covered for accidents in the van?
Injuries to your drivers fall under workers' comp. Injuries to others and damage to their property fall under auto liability.
Can delivery drivers in California use a phone for the route app while driving?
Vehicle Code 23123.5 bars driving while holding and operating a handheld wireless phone or device unless it's designed and configured for voice-operated, hands-free use and used that way. A driver may use a hand only if the device is mounted on the windshield, dashboard or center console without hindering the view of the road, and a feature is turned on or off with a single swipe or tap of a finger.
Do you offer amazon DSP insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in all 50 states and Washington, DC and places policies there directly. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see truck insurance by state or insurance requirements by state.
Official sources
- Cal/OSHA Title 8 section 3395, Heat Illness Prevention in Outdoor Places of Employment
- Cal/OSHA Title 8 section 3396, Heat Illness Prevention in Indoor Places of Employment
- 8 CCR 11090, IWC Wage Order 9 (Transportation Industry)
- California Labor Code 226.7
- California Labor Code 2810.3
- California Vehicle Code 23123.5
- FMCSA, California's Meal and Rest Break Rules for Commercial Motor Vehicle Drivers; Petition for Determination of Preemption, 83 FR 67470 (Dec. 28, 2018)
- 49 CFR 390.5, Definitions (commercial motor vehicle, interstate commerce)
- 49 CFR 391.41, Physical qualifications for drivers
- 49 CFR Part 395, Hours of Service of Drivers (395.1 and 395.3)
Send your payroll and fleet. I'll shop it.
Van count, drivers and payroll are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
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