As we get immersed in the duties of the Holiday Season, additional business from companies who requiere last mile delivery services — which are in very high demand during the holidays, can be an opportunity hard to turn down.
For example, Amazon Flex offers opportunities to use your own vehicle to deliver packages for Amazon as a way to earn extra money. The wages for most drivers range between $18 to $25 an hour earnings depending on your location, any tips you receive, how long it takes you to complete your deliveries, and other factors.
If the driver is 21 years or older, have a valid U.S. driver’s license, and have a mid-size or larger vehicle this might be an opportunity for you.
As we know, any time you get behind the wheel, you’ll need at least enough car insurance to meet the minimum liability requirements set in your state to drive legally but this is not enough. You will also need commercial auto insurance coverage.
As an Amazon delivery partner, you must maintain the required insurance for delivering packages in your area.
In addition to your personal coverage, Amazon provides delivery partners in all states other than NY with the Amazon Commercial Auto Insurance Policy at no cost. This policy includes:
• Auto liability coverage
• Uninsured motorist/under-insured motorist coverage
• Contingent comprehensive and collision coverage
This auto insurance policy applies only to Amazon Flex delivery partners (passengers are not covered), who maintain personal auto insurance on the vehicle they are driving and who are actively delivering during the delivery block. In addition, if anyone other than the Amazon Flex delivery partner is driving when an accident occurs, the claim for any incurred losses will be denied. This auto insurance policy applies only to Amazon Flex delivery partners (passengers are not covered), who maintain personal auto insurance on the vehicle they are driving and who are actively delivering during the delivery block. In addition, if anyone other than the Amazon Flex delivery partner is driving when an accident occurs, the claim for any incurred losses will be denied. You must verify with your local agents if you need additional commercial insurance required by law in your state. Also, if you are renting or borrowing a car, you must check with your insurance company about their requirements.
The Flex auto policy only applies when you’re picking up, delivering, or returning packages for Amazon, so you’ll still need personal coverage through a traditional insurer. If you also deliver for other companies you will need to to purchase commercial coverage.
One way to save on coverage for delivery drivers is by comparing rates. At Garzor Insurance our local specialists are ready to help you get on the right track. You can also ask about the delivery driver add-on, although not available from every insurer it’s also a great way to save a few bucks.
At Garzor Insurance we care about your business. Our experienced professionals are dedicated to providing commercial insurance, including business general liability coverage in Florida as well as Texas, and now many other states across the U.S. If you have questions about truck insurance, or any other commercial insurance aspects, please do not hesitate to visit us online at Garzor Insurance, or you may want to call us directly at (321) 206-8035.
Mariana Morante
Licensed Insurance Agent
