Amazon Flex Insurance Requirements: What You Need to Know
As an Amazon Flex driver, you are responsible for delivering packages to customers in a timely and efficient manner. While the job can be rewarding, it also comes with certain risks. That’s why Amazon requires all Flex drivers to have insurance coverage that meets specific requirements. In this article, we’ll take a closer look at Amazon Flex insurance requirements and what you need to know to stay protected on the road.
Section 1: Liability Insurance
The first type of insurance that Amazon requires Flex drivers to have is liability insurance. This type of insurance covers damages or injuries that you may cause to other people or their property while driving your vehicle. In most states, liability insurance is required by law, so you may already have this coverage. However, it’s important to make sure that your policy meets Amazon’s requirements.
According to Amazon, Flex drivers must have liability insurance with the following minimum limits:
– $50,000 bodily injury per person
– $100,000 bodily injury per accident
– $25,000 property damage per accident
These limits may vary depending on your state, so be sure to check with your insurance provider to make sure that your policy meets Amazon’s requirements.
Section 2: Uninsured/Underinsured Motorist Coverage
In addition to liability insurance, Amazon also requires Flex drivers to have uninsured/underinsured motorist coverage. This type of insurance protects you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
The minimum limits for uninsured/underinsured motorist coverage vary by state, but Amazon requires drivers to have at least the same limits as their liability insurance. For example, if your liability insurance has a limit of $50,000 bodily injury per person, your uninsured/underinsured motorist coverage must also have a limit of $50,000 bodily injury per person.
Section 3: Commercial Auto Insurance
While liability insurance and uninsured/underinsured motorist coverage are typically included in personal auto insurance policies, Amazon also requires Flex drivers to have commercial auto insurance. This type of insurance is specifically designed for businesses that use vehicles for commercial purposes, such as delivering packages.
Commercial auto insurance typically includes higher liability limits than personal auto insurance, as well as additional coverage options such as collision and comprehensive coverage. Amazon requires Flex drivers to have commercial auto insurance with a minimum limit of $1 million per accident.
Section 4: Proof of Insurance
Now that you know the types of insurance that Amazon requires Flex drivers to have, it’s important to understand how to provide proof of insurance. Amazon requires drivers to provide proof of insurance before they can start delivering packages. You can upload your insurance information through the Amazon Flex app or website.
It’s important to keep your insurance information up to date, as Amazon may periodically check your insurance status. If your insurance policy expires or is cancelled, you will not be able to deliver packages until you provide proof of a new policy.
As an Amazon Flex driver, it’s important to understand the insurance requirements and make sure that your policy meets those requirements. Liability insurance, uninsured/underinsured motorist coverage, and commercial auto insurance are all necessary to protect you and others on the road. By providing proof of insurance and keeping your policy up to date, you can ensure that you are able to continue delivering packages and earning income as a Flex driver.