Frequently Asked Questions

As a Delivery Service Provider, you are required to carry specific insurance coverages and limits. Amazon has worked with Aon to create an exclusive Program designed to meet Amazon’s insurance requirements.

Aon is a leading global provider of innovative insurance solutions to individuals and businesses, providing highly competitive insurance programs to over 50 million clients. Aon’s vast industry resources enable them to create customized insurance programs designed specially around the needs of their clients. Learn more about Aon.

Old Republic Insurance Company is one of America’s strongest insurance companies. They are rated A+ (Superior) by the insurance industry rating agency, A.M. Best Co. This places them among the top 11% of the most financially stable insurance companies in the U.S.*

*Out of 5,977 insurance companies in the U.S., 649 have A.M. Best’s highest, ‘Superior,’ rating. A.M. Best Co., Insurance Information Institute, April 2019.

Sedgwick Claims Management Inc. is responsible for handling the DSP Insurance Program claims. Sedgwick is a leading global claims management provider with 21,000 employees located in 65 countries. They pride themselves in delivering compassionate, responsive, effective service that simplifies the process for everyone involved.

Watch The Sedgwick Story. Visit our File a Claim page if you need to submit a claim.

Aon has partnered with the premium finance company AFCO. Founded in 1954 in Pittsburgh, PA, AFCO is among the first and the largest insurance premium finance companies in the U.S. They provide financing services to hundreds of insurance companies and have a reputation for reliability, expertise and flexibility.

Commercial Auto
General Liability
Workers' Compensation
Additional Coverages

At Aon, we have a team of licensed insurance agents who are dedicated to the DSP Insurance Program. We will walk you through the quoting and proposal process as well as assist with your service needs. We are available Monday through Friday, from 9am to 6pm, ET. Give us a call at 866.283.7126.

You can apply online here.

If you have any questions, you can call and speak to an Aon advisor at 866.283.7126, Monday through Friday, 9 a.m. to 6 p.m. ET about any questions on how to complete the application.

We'll ask you for information about your business operations, office location, current and anticipated payroll, previous insurance (if any) and fleet details. You'll want to have this important information available when you are ready to complete the online application.

We will provide you a rate indication within two business days of receipt of your fully completed application (subject to underwriting eligibility). We will contact you to request additional information, if needed, while we are processing your application. Keep in mind that if you have your full fleet details when you are ready to complete the online application, we can provide you with a more definitive quote, which we will send to you as a formal proposal.

The last step in the application process is the formal proposal. We develop this proposal based on the information you provided on your application as well as the details of your full fleet schedule that you’ll receive from the leasing company.  The formal proposal will include specific coverage details, an acceptance form, and instructions on how to bind your policy.

Coverage is bound by returning your signed acceptance form included in your proposal. On this acceptance form, you will indicate the date when you want your coverage to begin.

Coverage can be bound within two business days of receiving your completed and signed Acceptance Form.

Insurance coverage begins upon the effective date stated on the policy. You should choose an effective date as close as possible to the first day you take possession of your leased or rented vehicles or the first day you have an employee on your payroll (i.e. attending AMZL Training Sessions), whichever comes first.

There are two payment options:

• You can pay the full annual premium
• Aon will provide you with a premium finance agreement through AFCO. AFCO offers DSPs a unique premium financing arrangement: $0 down with monthly installments.

Once coverage is bound, you will receive your policy documents along with your auto ID cards and any requested certificates of insurance.

Once coverage is bound and policy numbers assigned, Aon will request our carrier, Old Republic, electronically file the BMC91X on your behalf.

Upon receipt, Aon will provide the FMCSA approval along with the filing endorsement to both the DSP and Amazon Compliance. Please note, your status will not show as ‘active’ on the FMCSA site until the process is finalized on their end.

You will need to rent vehicles until you receive your Element Fleet. We can cover these rentals under our policy and the rental companies will require a certificate of insurance as proof of coverage. To ensure the coverage extends accordingly, you should provide Aon with an updated Fleet Schedule that includes each vehicle’s year, make model and vehicle ID number.

The rates for Workers’ Compensation are based on your annual payroll.  The employees for DSP operators fall into two categories:  Drivers and Clerical. 

• The driver class includes all staff operating vehicles and making deliveries
• The clerical class includes the payroll for:
  • Owners (if you have opted for coverage)
  • Bookkeepers, accountants
  • Dispatchers
  • Fleet managers
  • Secretaries, office staff

Workers’ Compensation is rated as an estimated annual premium, based on the payroll figures you provide on your application. At the end of the policy year, we will conduct an audit and ask you to report your actual payroll.  If the payroll that you estimated at the time of your application was lower,  you will be invoiced for the additional premium due.  If the estimated payroll was too high, any excess premium collected will be refunded.

If you are just starting out and experiencing a shortage of cash, you may want to keep your initial insurance payments down by being conservative on your estimated payroll.  Keep in mind, funds will need to be set aside to account for the large account balance due once the audit is processed.
 
If your business cashflow allows for higher monthly insurance premiums from policy inception, then you may want to provide a more accurate estimated annual payroll at the time of your application, therefore eliminating a potentially large amount due at the year-end audit. 

Employers’ Liability protects the DSP owner(s) from employee lawsuits alleging the owner’s negligence caused their injury or illness.  Employers’ Liability provides up to $1 million of coverage for judgements, settlements, legal fees and punitive damages (if allowable in your state).

All vehicle additions or deletions to your auto policy should be reported to Aon by:

• Emailing an updated Fleet List Endorsement Request form to DSPendrequest@aon.com
• Calling 1.866.283.7126

All other changes to your policy are reported to Aon by calling 1.866.283.7126 or by emailing us at DSPInsurance@aon.com.

You can email the name and address of the person requesting the certificate along with the COI specifications to DSPInsurance@aon.com.  Aon’s representatives will issue the COI for you and send you a copy for your records.

All auto, cargo liability, general liability and workers’ compensation claims should be reported to Sedgwick Claims Management Inc.

Please visit our File a Claim page to download the appropriate Claim Intake Forms or call Sedgwick directly at 1.844.855.3765. They are available 24 hours a day, 7 days a week.

Your policy period will be for 12 months, unless otherwise specified.

No, the Program is an exclusive program only available to DSPs delivering for Amazon Logistics.

Yes, the Program will cover your owned, leased, and rented vehicles. You must report these rental vehicles to Aon to ensure coverage is provided.

Your Aon agent will gladly work on your behalf to help with your other business insurance needs, such as:

• Property insurance for your leased or owned business property
• Inland Marine insurance for tools and equipment such as the CAT S41 Mobile Device
• Employment Practices Liability to help protect you against claims made by employees alleging discrimination, wrongful termination, harassment, etc.