Semi truck on an open highway
Amazon DSP · Last-Mile Delivery

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

How it works

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.
Who I help

Delivery companies I insure

Amazon DSPs

The coverage your DSP contract calls for.

Courier companies

Local and regional courier fleets. See details

Last-mile delivery

Package and parcel delivery.

Growing fleets

Coverage that scales as you add routes.

High workers' comp rates

Markets that write delivery workers' comp. See details

Cargo

Coverage for the packages you carry. See details

Before you call

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.

Start the Quote Form

  • 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.

Meal and rest breaks on a route

A missed break becomes a payroll cost, and workers' comp is designed for work injuries, not wage premiums. The rules come from Wage Order 9 (8 CCR 11090), which covers businesses that convey property from place to place, and Labor Code 226.7.

  • Meal period. A work period of more than five hours needs a meal period of at least 30 minutes; if six hours or less completes the day, it can be waived by mutual consent. Over ten hours, a second 30-minute meal period is required. If the day is no more than 12 hours, that one can be waived by mutual consent only if the first wasn't.
  • On-duty meals. Allowed only when the work prevents relieving the employee of all duty, under a written agreement the employee can revoke in writing at any time.
  • Rest periods. Ten minutes net rest per four hours worked or major fraction, counted as hours worked; none is required for a day under three and one-half hours.
  • The premium. For each workday a meal, rest or recovery period isn't provided, Labor Code 226.7 requires one additional hour of pay at the employee's regular rate. A recovery period is a cooldown to prevent heat illness.

In December 2018, FMCSA determined that California's meal and rest break rules are preempted as applied to drivers of property-carrying commercial motor vehicles covered by FMCSA's hours-of-service rules. Drivers outside those federal rules, such as drivers of vehicles below the commercial motor vehicle definition, aren't within that scope. Have an employment lawyer confirm its current status for your drivers.

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.

Drivers from a staffing agency share the risk

Under California Labor Code 2810.3, a client employer is a business that gets workers from a labor contractor for labor within its usual course of business, meaning its regular and customary work done within or upon its premises or worksite. It shares with the contractor all civil legal responsibility and civil liability for supplied workers' wages and for failure to secure valid workers' comp coverage as Labor Code 3700 requires.

  • Who is excluded. A business with fewer than 25 workers, counting direct hires and supplied workers, isn't a client employer, and neither is one with five or fewer supplied workers at any given time.
  • Safety duties stay with you. Under 2810.3(c), you can't shift your legal duties under Labor Code Division 5 (occupational safety and health) to the contractor.
  • Contract remedies remain. 2810.3(g) preserves otherwise lawful contract remedies against the contractor for liability its acts create, so I ask to see your agency agreement.
  • Notice before a lawsuit. A worker or the worker's representative must notify the client employer of the violations at least 30 days before filing a civil action.
  • A narrow motor-carrier exclusion. Under 2810.3(p)(2), a motor carrier of property isn't liable under the section for engaging another motor carrier of property that uses its own employees and commercial motor vehicles (as defined in Vehicle Code 34601).

Keep the agency's current workers' comp certificate on file before its drivers take routes, and tell me the headcount so I can show underwriters how supplied drivers are handled. A commercial umbrella is designed to add limits above auto and liability.

Questions

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.

Amazon DSP insurance

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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