*Brookhurst Insurance Services is licensed nationwide to provide delivery service insurance products such as workers compensation, commercial auto, general liability, and cargo insurance.

Does Amazon Flex provide insurance for its drivers?

Yes. Amazon Flex provides its drivers with a commercial policy, though it also advises them to maintain their personal auto insurance if they’re making deliveries with their personal vehicle.

Amazon provides the Amazon Flex Auto Policy, which includes uninsured/underinsured motorist coverage, auto liability coverage, and contingent comprehensive and collision coverage at no cost to their drivers, provided they’re using Amazon Flex to pick up packages, deliver packages, or return undelivered packages back to their place of origin.

That said, Amazon requires drivers using their personal vehicle to maintain their personal auto insurance. If you’re using a rented or borrowed vehicle, you must also get the required insurance coverage.

Why do you need your own commercial auto insurance policy when delivery for Amazon Flex?

This is because some personal insurance policies prohibit drivers from using their vehicles for any courier work, even when you have a separate insurance policy for the delivery work from Amazon Flex. Every time you use your vehicle for Amazon Flex, your personal insurance is voided. This means you need a commercial policy for extra protection, and to be in compliance with Amazon Flex dover requirements for personal auto insurance.

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Why does driving for Amazon Flex void your personal auto insurance policy?

Amazon Flex is a delivery business. As long as you’re using your vehicle to make deliveries for a reward, you need commercial insurance. Insurance providers consider the risk for “misrepresentation of facts.” When signing up for your auto insurance, and you indicate that you use your vehicle primarily for personal trips or commute, then using your vehicle for Amazon Flex violates the terms of your insurance policy, regardless of the additional cover provided by Amazon Flex.

Moreover, auto insurance providers typically include a clause in their policies claiming that any misrepresentation or false statements about your personal information or the vehicle are grounds for voiding and even terminating the cover.

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Call Brookhurst Insurance Brokers Today

Finding affordable, comprehensive insurance for your delivery service business requires a lot of research, time and effort. Alternatively, you can work with your Brookhurst insurance agent to create a custom comprehensive plan that takes into account all the aspects of your business and the potential risks. If you currently have an insurance plan in place, our agents can also help to modify or upgrade your coverage so it provides adequate protection for your company.

Contact Brookhurst insurance agents today for help becoming an Amazon Flex driver. Brookhurst Insurance agents will help to protect your business interests cost effectively. Request a quote online or call 818.465.7860 to speak with a delivery service business insurance agent today!