Amazon Flex offers a generous and broad insurance policy that sufficiently protects its drivers when involved in an accident on-the-job. Amazon's insurance policy applies at no additional cost to the driver.

The policy applies when you take up packages from the warehouse using Amazon Flex and deliver them to a customer, or return them to a designated location, within California and other states except New York. But to qualify for the coverage, you must maintain your personal auto insurance policy.

When you're not making deliveries, you depend on your personal auto insurance policy for protection. Yet it may be invalidated for using your own vehicle for commercial purposes, including working for Amazon Flex. This is because of the issue of "misrepresentation of facts". When getting your personal insurance, you probably indicated that you were driving a certain number of miles, using your own vehicle mainly for personal use, and other details.

So if you indicated that your vehicle is for "commute" or "personal" use, then driving for Amazon Flex would mean that you misrepresented the facts about your vehicle - though unintentionally - and are in violation of the conditions of your policy. This would in turn be sufficient grounds to void or terminate your personal auto policy.

FAQs of California Commercial Insurance for Amazon Flex Drivers »

You may also have given false information about the amount of miles driven per year, especially if you had no idea that you'd be driving for Amazon Flex when purchasing your auto policy. It's important that you provide accurate and honest information about the miles driven annually, including those from making Amazon Flex deliveries, to avoid disputes when you need your policy.

More importantly, you should be careful not to void your personal auto policy as it may cause the Amazon Flex commercial policy to become voided as well.

Get it right

Though commercial auto insurance rates are higher than personal auto insurance rates, our Brookhurst insurance agents can help you get an effective insurance policy while keeping your costs low. In some cases, all you need is an endorsement to your personal policy, noting that you are now making deliveries with Amazon Flex, so your policy comes secondary to the Amazon Flex commercial auto policy.

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For more information regarding insurance coverage we provide for Amazon Flex drivers, please call us @ 818.465.7860 & we’ll assist you with any questions, concerns, or inquiries you may have. We may also be conveniently contacted online using our online contact form.