Amazon Relay Insurance Requirements (2026)
Amazon Relay requires $1,000,000 auto liability, $100,000 cargo, $1M general liability, and workers compensation in every state you operate. Amazon must be listed as additional insured on every policy. This page breaks down the exact requirements, endorsements, and costs for every Amazon program — Relay line haul, Freight FTL, Power Only, DSP, and box truck Flex.
Amazon Relay Insurance Requirements
Amazon Programs We Insure
| Program | Equipment | Typical Operator | Avg Premium |
|---|---|---|---|
| Amazon Relay (Line Haul) | Day cab + 53' dry van | Owner-op or 5-50 truck fleet | $11,500–$15,500/year per tractor |
| Amazon Freight (FTL) | Tractor-trailer | 10+ truck fleets preferred | $10,500–$14,500/year per tractor |
| Amazon Power Only | Day cab, pull Amazon trailers | Owner-op friendly | $9,500–$13,000/year per tractor |
| Amazon DSP (Delivery Service Partner) | Step vans, Sprinter-style | DSP-owned fleet | $6,500–$9,500/year per van |
| Amazon Flex (large box truck) | 26-foot box truck | 1-3 trucks, contract delivery | $7,500–$10,500/year per truck |
Amazon Relay Insurance FAQ
What are the minimum insurance requirements for Amazon Relay?
Amazon Relay requires $1,000,000 auto liability (combined single limit), $100,000 motor truck cargo with no targeted commodity exclusions, $1,000,000 general liability, and workers compensation in every state you operate. Amazon must be listed as additional insured on auto liability, cargo, and GL policies.
How do I add Amazon as additional insured?
Your broker (us) files a certificate of insurance (COI) through Amazon's insurance compliance portal. Amazon is added as additional insured on your auto liability, cargo, and GL. The COI must list Amazon.com Services LLC at the correct address Amazon provides. We handle this within 24 hours of binding coverage.
Can I get Amazon Relay insurance with a new authority?
Yes, but rates are higher and carrier options are limited. We work with several carriers that write new-authority Amazon Relay operations. Most require at least 3 months of MC authority, though some will write day-one new authorities. Expect rates 30-50% above experienced operators until you reach 12 months in business.
Does Amazon's insurance cover me while I'm dispatched?
Amazon provides primary auto liability coverage while you are under dispatch on an Amazon load (excess layer). However, you must still carry your own $1M primary auto liability to run Relay at all. Amazon's coverage does NOT cover your truck (physical damage), your cargo outside Amazon loads, or any non-dispatched driving. You need your own complete insurance program.
How much does Amazon Relay insurance cost?
Amazon Relay insurance typically costs $11,500-$15,500 per year for a single tractor running dedicated Relay routes. Power-only Amazon operations run $9,500-$13,000. DSP vans run $6,500-$9,500. Box truck Amazon contractors run $7,500-$10,500. Rates depend on driving records, authority age, lanes run, and claims history.
What happens if Amazon audits my insurance and finds it non-compliant?
Amazon does real-time COI monitoring through its compliance portal. If your policy lapses, limits drop below required minimums, or endorsements go missing, Amazon will suspend your account within 24-48 hours. Lost Amazon contract revenue is typically $5,000-$15,000/week per truck — much more costly than any premium savings from cutting corners on insurance.
Do Amazon Relay requirements differ from FedEx Ground or UPS contractor requirements?
Yes. FedEx Ground typically requires $1.5M auto liability and contingent auto liability coverage. UPS uses their own contract freight program with $1M-$5M limits. Amazon Relay has the most detailed cargo exclusion language (no targeted theft exclusions on electronics, pharmaceuticals, etc.) and the strictest COI monitoring.
Does Amazon require trailer interchange coverage?
Yes, for power-only operations where you pull Amazon-owned trailers. Minimum trailer interchange coverage is $40,000 per unit. This protects the Amazon trailer while in your possession and is separate from your own physical damage policy. Power-only carriers commonly carry $75K trailer interchange as many brokers require higher limits.
Get Your Amazon Relay-Compliant Policy
We compare 30+ A-rated carriers that specifically write Amazon Relay business. COI filing with Amazon.com Services LLC handled within 24 hours of binding.