Amazon DSP & FedEx Ground Contractor Insurance: Complete Guide
•SafeBridge Insurance Group
Required Coverages for Amazon DSP / FedEx Ground
- Commercial Auto Liability — $1M required by Amazon/FedEx
- Cargo Insurance — package coverage
- General Liability — for warehouse + customer interactions
- Workers Compensation — for W-2 drivers
- Hired/Non-Owned Auto — if drivers use personal vehicles
- Umbrella — $3M-$5M typical
Sample Pricing (20-van DSP fleet)
| Coverage | Annual Premium |
|---|---|
| Commercial Auto Liability | $60,000-$95,000 |
| Cargo | $8,000-$15,000 |
| General Liability | $3,500-$6,000 |
| Workers Comp (40 drivers) | $45,000-$80,000 |
| Umbrella ($5M) | $5,000-$8,000 |
| TOTAL | $120K-$200K/year |
Best Carriers for DSP
- Sentry Insurance
- Great West Casualty
- Progressive Commercial
- National Indemnity (specialty markets)
Discount Opportunities
- Telematics (Amazon Mentor app data) → -10-15%
- Fleet safety programs → -5-10%
- Multi-year commitment → -3-5%
- Bundle WC + Auto → -8-12%
Frequently Asked Questions
How much does Amazon DSP insurance cost?+
For a 20-van Amazon DSP fleet with 40 W-2 drivers, total insurance costs $120,000-$200,000/year. Largest components: Commercial Auto Liability ($60-$95K) and Workers Comp ($45-$80K).
What insurance does Amazon require for DSP?+
Amazon requires Commercial Auto Liability with $1M limits minimum, Cargo Insurance, Workers Compensation, and General Liability. Most successful DSPs also carry $3M-$5M Umbrella for catastrophic events.
Best insurance carriers for DSP?+
Top carriers in 2026: Sentry Insurance (largest DSP book), Great West Casualty, Progressive Commercial, National Indemnity (Berkshire) for specialty markets. Russian-speaking owners often work through SafeBridge Insurance for bilingual service.