Last-Mile Delivery Contractor Insurance Guide
Amazon DSP, FedEx Ground ISP, and last-mile independent contractors face very specific insurance requirements driven by the parent carrier. Here's the playbook.
Amazon DSP requirements
Amazon DSP contractors must carry: • $1M Commercial Auto Liability (Amazon-named insured) • Workers Comp on all drivers • General Liability $1M/$2M • Cyber Liability $1M+ • Crime / Employee Dishonesty • Hired & Non-Owned Auto
Amazon DSP insurance is typically $14,000–$24,000/year per van, all-in, depending on driver experience and claims.
FedEx Ground ISP requirements
FedEx Ground ISP contractors carry similar commercial auto + workers comp + GL stack, with $1M minimum auto liability and Workers Comp on every driver including helpers.
Independent last-mile operators
Walmart Spark, DoorDash dispatch, regional Amazon Flex fleets, and grocery delivery operators carry a leaner stack — $1M Auto + GL + WC if employees. Annual cost: $4,500–$9,000/van.
Noah + USA Alliance Logistic
We set up last-mile delivery fleets end-to-end — DOT/MC authority, insurance, equipment leases, and route placement through USA Alliance Logistic. 814-718-0060.
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