Personal auto policies may exclude accidents occurring while a vehicle is being used for paid delivery. Amazon provides certain commercial auto benefits during eligible active delivery periods, but conditions, limits and state availability apply. Drivers should confirm with their insurer whether a delivery endorsement or commercial auto policy is required. Our agency reviews your current policy and quotes the delivery endorsement or commercial auto options available in your state.
Amazon Flex drivers, Amazon Prime Now drivers, Amazon Fresh delivery drivers, and anyone using their personal vehicle to deliver Amazon packages as an independent contractor. This also applies to Walmart Spark, Instacart, and similar gig delivery platforms.
Amazon provides certain commercial auto benefits during eligible active delivery periods. Conditions, limits, deductibles and state availability apply, and those terms can change — review your current Amazon Flex driver agreement. Coverage outside eligible delivery periods, and coverage for your own vehicle, generally has to come from your own policy.
Personal auto policies commonly exclude losses that occur while the vehicle is being used for paid delivery. Whether a specific claim is covered depends on your policy wording and your state. Ask your insurer directly whether a delivery endorsement or a commercial auto policy is required for Flex work.
Pricing depends on your vehicle, driving record, state, delivery hours and the limits you choose. Some drivers can add a delivery endorsement to a personal policy; others need a standalone commercial auto policy. We quote both options so you can compare actual numbers for your situation.
Part-time delivery can still create a commercial exposure that a personal policy excludes. The correct answer depends on your policy and your state, so confirm with your insurer or ask us to review your declarations page before your next block.
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