Coverage
Amazon DSP contracts set specific insurance requirements, and losing compliance can mean losing the route. I quote DSP fleets against the current contract language, not last year's numbers.
Delivery service partner programs typically require commercial auto liability at stated limits, driver injury coverage, and general liability, with certificates naming the program correctly. [VERIFY: exact current limits against your signed DSP agreement — requirements change and vary by program year.] The certificate wording matters as much as the limits; a correct policy with a wrong certificate still fails an audit.
What I do differently for DSP owners: I read your actual agreement first, quote carriers that already write DSP risk, and build the certificate exactly the way the program wants to see it. Renewals get remarketed 60 to 90 days out, because DSP margins don't leave room for a lazy renewal.
New DSP launching? Carriers write new ventures every week. Clean driver records and a complete vehicle list matter more than a long loss history you don't have yet.
Questions
A DSP typically needs commercial auto liability at the limits stated in the program agreement, driver injury coverage such as workers compensation or occupational accident, and general liability, with certificates issued to the program's specification. The signed agreement governs, so I verify current requirements against your contract before quoting.
It depends on fleet size, vehicle types, driver motor vehicle records, loss history, and the limits your agreement requires. No honest agent quotes a DSP from a rule of thumb. A real number comes from quoting your actual vehicle and driver list against current market rates.
Yes. New DSPs get written regularly, though fewer carriers compete for them and pricing reflects the missing track record. Clean driver records, a realistic launch plan, and complete documentation make a new-venture submission much stronger.
Usually the certificate, not the coverage: wrong certificate holder, missing endorsements, or limits formatted differently than the program requires. I build certificates to the program's specification the first time, because a rejected certificate can pause your route.
DSP delivery associates are employees, and California requires workers compensation for employees. Occupational accident coverage is not a substitute for a workers comp obligation. Classification questions are the first thing I check at intake.
The intake takes about five minutes. I quote against your actual vehicle and driver list, not a generic profile.
TISKIY