Know the business. Then the risk.
Insurance built from the operation outward.
The strongest program starts with how your organization works: where people operate, what contracts require, which assets matter most, and where a disruption would hurt.
Start a conversationExposures we examine
Details change the program.
- Contract-driven minimum limits and certificate wording
- Leased or rented branded vans and physical damage requirements
- Lifting, stairs, dog bites, and slip injuries on routes
- High driver turnover, MVR quality, and new-driver risk
Commonly coordinated coverages
A coverage list is not a recommendation by itself. Limits, forms, exclusions, contracts, locations, and loss experience all matter.
What we look at
Where dsp & contracted delivery companies programs get specific.
Who this is for
Delivery service partners (DSPs) and contracted route operators run their own companies—hiring drivers, managing vans, and meeting the insurance requirements set by the shipper they contract with. That includes Amazon DSPs, FedEx Ground and Home Delivery route contractors, and companies delivering for regional carriers, retailers, and grocery or pharmacy platforms. Freedom is an independent agency and is not affiliated with, endorsed by, or an insurance program of Amazon, FedEx, or any delivery platform.
Start with your contract
Every shipper sets its own insurance requirements, and they change. Before quoting, we review your contract or program guide so the policies line up with what is actually required.
- Minimum auto liability, GL, umbrella, and workers’ comp limits
- Additional insured, primary and non-contributory, and waiver of subrogation wording
- Physical damage requirements for leased or rented vans
- Certificate deadlines for onboarding, renewals, and new vehicles
Workers’ compensation for DSP drivers and helpers
Delivery routes mean hundreds of stops a day—lifting, stairs, getting in and out of vans, weather, and dog bites. Workers’ comp is usually one of the largest costs for a DSP. Driver classification, accurate payroll by role (drivers, dispatchers, managers, mechanics), and a documented safety and return-to-work process all matter at underwriting and audit.
Commercial auto and hired and non-owned auto
Branded vans may be owned, leased, or rented through a program, and each arrangement affects who must insure the vehicle and for what. Rentals and peak-season vehicles need to be scheduled or covered correctly, and hired and non-owned auto protects the company when employees drive personal or rented vehicles for work.
- Owned, leased, and rented vehicle schedules
- Physical damage and deductibles for leased vans
- Telematics, camera, and driver-scoring data that underwriters review
New York City and New York State DSPs
New York generally requires workers’ compensation and disability (DBL) and Paid Family Leave coverage for nearly every employer with employees. NYC routes mean dense traffic, frequent stops, and higher claim frequency, so carriers look closely at driver hiring standards, MVRs, and safety programs. We work with DSPs across the five boroughs, Long Island, Westchester, upstate New York, and nationwide.
Employment practices and growth
Fast hiring, high turnover, scheduling, and wage-and-hour questions create employment-related claims. EPLI can help with claims like wrongful termination, discrimination, and harassment; wage-and-hour coverage is often limited, so read the policy carefully.
What underwriters ask for
A clean, complete submission helps carriers look seriously at a delivery account.
- Shipper contract or insurance requirements
- Vehicle schedule with ownership or lease status
- Driver list with license details and MVRs
- Payroll by role and headcount, including peak season
- Loss runs for auto and workers’ comp (usually 3–5 years)
- Safety program, telematics, and training documentation
Questions we hear
Frequently asked questions
What insurance does an Amazon DSP need?
Most DSPs need commercial auto liability, physical damage on leased vans, workers’ compensation, general liability, umbrella, and often EPLI. The exact limits and wording come from your current program agreement, so we review it before quoting.
Do you work with FedEx route contractors?
Yes. FedEx Ground and Home Delivery contractors, and other contracted delivery companies, face similar exposures. We build the program around your specific contract requirements.
Are you part of Amazon’s or FedEx’s insurance program?
No. Freedom Insurance Solutions is an independent agency and is not affiliated with or endorsed by Amazon, FedEx, or any delivery platform. Some DSPs use a platform-arranged program; others place some or all coverage independently where their contract allows.
Do DSPs in New York need workers’ comp?
New York generally requires workers’ compensation, plus disability and Paid Family Leave coverage, for nearly all employers with employees. Check the New York Workers’ Compensation Board for current rules.
Why is workers’ comp so expensive for delivery companies?
Delivery work has frequent lifting, slip, and vehicle-related injuries, and turnover adds new-driver risk. Accurate payroll classification, safety programs, and claims management can influence cost over time.
Can you help with certificates of insurance for my contract?
Yes. Use our certificate request page and include the holder name and any required wording or deadline.
Do you insure DSPs outside New York?
Yes. We work with delivery service partners and contracted route operators nationwide.
A better submission
Give underwriters a clear view of the risk.
We organize the operational story, current coverage, loss information, schedules, and relevant controls before approaching appropriate markets. That helps the conversation focus on underwriting fit—not missing information.
Coverage availability, terms, conditions, exclusions, and pricing vary by insurer and underwriting. This information is general and is not a representation of coverage under any specific policy.