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Amazon Truck Insurance
Customized insurance needed for Amazon Relay trucks
Find the insurance coverage you need for Amazon Relay
To haul loads through Amazon Relay, your business needs specific types of commercial truck insurance that meet Amazon's minimum coverage requirements. Whether you're an owner operator or managing a small fleet, having the right insurance in place is an important step toward getting approved and staying active on the platform.
Learn about the insurance coverages, limits, documents, and costs involved in participating in Amazon Relay.
What is Amazon Relay truck insurance?
Amazon Relay insurance refers to the commercial trucking coverages carriers need before they can book loads through Amazon's freight network. These policies demonstrate that your business can meet the expectations that come with hauling for a large shipper.
Progressive Commercial can help you find the insurance you need to stay compliant and keep your business moving. Once your commercial truck insurance for Amazon Relay is active and approved through Amazon's verification process, you can focus on finding loads and choosing the routes that fit your business. Talk to one of our specialists or start an online quote to learn more.
Why Amazon Relay requires insurance
Insurance helps Amazon Relay confirm that carriers are prepared if something goes wrong on the road, like an accident or cargo damage. The requirements include many of the same types of truck protection most commercial carriers already have, which makes the process more familiar for trucking businesses.
Think of Amazon Relay insurance as several policies working together. Each one addresses a different type of risk associated with hauling freight, handling cargo, and operating a trucking business.
Who needs Amazon Relay insurance?
Trucking businesses that want to haul loads through Amazon Relay typically need commercial truck insurance that meets Amazon's minimum requirements. This can include:
- Owner operators looking to book loads directly through Amazon Relay
- Small fleets managing multiple trucks and drivers across regional or long-haul routes
- Box truck operators handling local or last-mile deliveries through Amazon's network
If you plan to participate in Amazon Relay, you'll need to meet Amazon trucking insurance requirements before you can begin work through the platform.
Required insurance for Amazon Relay carriers
Carriers need several types of trucking insurance before they can join Amazon's freight network and start hauling loads. You'll also need to provide proof that your coverage is active and meets Amazon's minimum standards.
Liability
Amazon Relay currently requires at least $1 million in primary liability coverage per occurrence. This coverage helps protect you if you cause bodily injury or property damage while operating your truck.
Motor truck cargo
Amazon asks carriers to have at least $100,000 in motor truck cargo insurance. This coverage helps protect freight while it's being transported and may also help cover certain cleanup or removal costs after a covered loss.
Trailer interchange
Carriers need at least $50,000 in trailer interchange coverage to help protect trailers you don't own while they're in your possession. You may also want physical damage coverage to protect your truck against collisions, theft, vandalism, and other covered losses.
General liability
General liability insurance for truckers helps protect your business from third-party injuries and property damage that occurs when you're off the road, like during loading or unloading. For example, if a customer trips over equipment you set down during delivery and gets hurt, this coverage could pay their medical bills.
Amazon Relay carriers typically need $1 million in general liability per occurrence and $2 million aggregate for all claims in a policy period. Progressive Commercial can help you meet these limits and find coverage that fits your business.
Workers' compensation and employers liability
To participate in Amazon Relay, carriers generally need workers' compensation insurance with at least $100,000 per occurrence in employers liability coverage. Many workers' comp policies include this automatically, but in monopolistic states with state-run workers' compensation funds, you may need separate employers liability coverage through a stop-gap endorsement.
Workers' comp helps protect you and your employees if someone is hurt or becomes sick because of their job. Even if you're self-employed, it can provide medical benefits and wage replacement after a covered work-related injury or illness.
Amazon Relay coverage requirements at a glance:
| Coverage |
Rules and minimum limits |
Purpose |
|---|---|---|
| Vehicle liability | $1 million | Covers bodily injury or property damage caused while operating your truck |
| Trailer interchange | $50,000 | Pays for physical damage to non-owned trailers while in your possession |
| Motor truck cargo | $100,000 | Protects freight from covered loss or damage during transit |
| General liability | $1 million per occurrence; $2 million aggregate | Covers third-party injury or property damage arising from business operations |
| Workers' comp | Workers' comp where you operate; $100,000 employer liability | Provides benefits for work-related injuries and illnesses |
Ready to get started? Progressive Commercial specializes in trucking insurance for freight programs like Amazon Relay. Get a quote tailored to your vehicle and routes.
Types of vehicles and equipment for Amazon Relay
Amazon Relay sets standards for the types of vehicles and equipment carriers can use to haul loads, including box trucks, tractors, and trailers. Your vehicle's condition, safety features, and use can also affect your eligibility and insurance rates.
While many Relay loads are power-only, Amazon box truck operators typically need to meet similar liability and cargo insurance standards.
Learn more about commercial insurance for the following types of trucks and equipment:
Progressive Commercial can help you customize your coverage for Amazon Relay and protect your delivery business.
Insurance documentation and ongoing compliance
To participate in Amazon Relay, you must submit a certificate of insurance (COI) showing your coverage types, limits, and policy effective dates. Amazon reviews this information during onboarding and continues monitoring coverage to ensure it stays active.
With a policy from Progressive Commercial, it's easy to access your COI. We can also help with required commercial truck filings that demonstrate compliance with state and federal insurance rules.
Lapsed policies, incorrect limits, or missing documents can lead to suspended access to loads or removal from the program. Drivers also need a DOT number that's been active for at least 180 days and must continue meeting Amazon's safety standards to remain eligible.
How much does Amazon Relay insurance cost?
Amazon Relay insurance costs can vary based on factors like:
According to Amazon, new Relay carriers can expect to pay $12,000 to $18,000 per year for insurance. Experienced carriers with clean records typically pay $8,000 to $14,000 annually. Many motor carriers already have some of these coverages in place for non-Amazon work, so the additional cost to meet Amazon Relay requirements may be lower.
Box truck insurance rates may also be lower because they're smaller and usually deliver along more local routes.
The best way to learn what you'll pay is to get a quote customized to your equipment, routes, and business operations.
- Vehicle type
- Driving history
- Location
- Claims experience
- Coverage limits
- Business size
Manage insurance costs with safe driving
A clean driving record makes a big difference to your insurance costs. Investing in driver training, preventive maintenance, and technology like Smart Haul® or Snapshot ProView® can improve safety, reduce claims risk, and help you save.
Why choose Progressive Commercial for Amazon Relay coverage
Amazon Relay has specific insurance and documentation standards. Working with an insurer that's familiar with the process can help make onboarding and compliance easier.
As the #1 truck insurer in America,Δ Progressive Commercial helps carriers meet insurance requirements and protect their businesses on and off the road. We'll find the coverage you need to start hauling with Amazon Relay. Get a quote today.
Frequently asked questions about Amazon Relay truck insurance
Is Amazon Relay insurance a separate policy?
No. Amazon Relay insurance refers to the collection of coverages carriers need to participate in the Amazon Relay program. Most for-hire truckers already carry some or all of the necessary coverages.
How does Amazon Relay insurance differ from standard truck insurance?
It's largely the same, though Amazon Relay may require specific minimum limits and documentation for participating carriers.
What are the requirements for Amazon Relay owner operators?
Owner operators generally need to meet the same insurance requirements as other approved carriers, including minimum liability and cargo limits.
What Federal Motor Carrier Safety Administration (FMCSA) safety ratings are acceptable for Amazon Relay?
Amazon Relay carriers typically need a FMCSA safety rating of Satisfactory, None, or Not Rated to participate in the program.
Can insurance requirements change over time?
Yes. Amazon Relay standards may change as the program evolves. Review requirements regularly to ensure your coverage stays compliant.
