What Insurance Do Amazon Delivery Drivers Need in New York?

Last Updated on September 27, 2026 by James Shaffer

If you deliver packages for Amazon in New York, the insurance you need depends heavily on which type of Amazon delivery job you have. Drivers employed by an Amazon Delivery Service Partner (DSP) normally use a company-provided delivery vehicle with insurance provided by the DSP. Amazon Flex drivers, on the other hand, use their own vehicles and are responsible for making sure their insurance covers delivery work.

New York Amazon Flex drivers need to be especially careful. Amazon provides commercial auto insurance to Flex delivery partners in every state except New York. Amazon’s current guidance says New York drivers may need additional commercial insurance to satisfy state requirements, so you should confirm coverage with your insurer before making deliveries.

Which Amazon Delivery Jobs Require Your Own Insurance?

There are two common ways to deliver packages for Amazon: working for an Amazon Delivery Service Partner or delivering independently through Amazon Flex. The insurance arrangement is different for each.

Delivery Job	Whose Vehicle?	Insurance Responsibility
Amazon DSP driver	Vehicle provided by the DSP	Amazon says the DSP provides the delivery vehicle, gas, and insurance.
Amazon Flex delivery partner	Your own qualifying vehicle	You must maintain insurance that covers your delivery activity. Amazon’s commercial Flex policy does not apply in New York.

Amazon Delivery Service Partner drivers are employees of independent DSP businesses rather than Amazon itself. According to Amazon’s DSP driver information, the DSP provides access to a delivery van or truck along with gas and insurance. You would still need insurance for any personal vehicle you own or operate, but your personal vehicle generally is not the vehicle used for the DSP delivery route.

Amazon Flex is different. Flex delivery partners use their own vehicles and choose available delivery blocks through the Amazon Flex app. Amazon currently lists deliveries that can include Amazon.com packages, Amazon Fresh orders, Whole Foods Market orders, and other delivery types depending on the area.

What Insurance Does Amazon Flex Require in New York?

Amazon’s current Flex requirements state that delivery partners must maintain the insurance required for delivering packages in their area. Amazon also requires Flex drivers to maintain personal auto insurance that complies with local requirements.

The important exception is New York. Amazon provides Flex delivery partners in other states with a commercial auto policy at no additional cost, but Amazon specifically states that this coverage does not apply to drivers in New York because of local regulations. Amazon advises New York drivers that they may need additional commercial insurance and should check with their insurance company.

What Are New York’s Minimum Auto Insurance Requirements?

Any vehicle registered in New York must satisfy the state’s basic automobile insurance requirements. According to the New York State Department of Financial Services, required coverage includes liability insurance, No-Fault insurance, and uninsured motorist coverage.

• Bodily injury liability: At least $25,000 for bodily injury to one person and $50,000 for bodily injury to two or more people in one accident. Higher minimum limits apply when an accident results in death.
• Property damage liability: At least $10,000 per accident.
• No-Fault/PIP: At least $50,000 in basic No-Fault benefits per person.
• Uninsured motorist coverage: At least $25,000 per person and $50,000 per accident for bodily injury from qualifying accidents in New York.

You can learn more about the state’s basic rules in our guide to New York car insurance laws and requirements, including bodily injury liability coverage and property damage liability coverage.

However, meeting New York’s minimum insurance requirements for registering a personal vehicle does not necessarily mean your policy covers Amazon deliveries. The policy must also permit the vehicle to be used for the delivery activity you are performing.

Do New York Amazon Flex Drivers Need Commercial Insurance?

Amazon does not tell New York Flex drivers that one specific policy type works in every situation. Instead, Amazon states that its own commercial auto insurance does not apply in New York and that New York drivers may need additional commercial insurance.

That distinction matters because personal auto policies are primarily intended for personal vehicle use. An insurer may restrict or exclude losses that occur while a vehicle is being used for certain business or delivery activities.

Before accepting a Flex delivery block, tell your insurer that you intend to use your personal vehicle to deliver Amazon packages for compensation. Ask whether your current policy covers that use and, if not, whether the insurer offers a delivery endorsement, business-use option, or another policy that will cover it. Depending on the insurer and how your vehicle is used, you may need a commercial auto insurance policy.

Do not assume that a standard rideshare insurance policy or endorsement automatically covers Amazon Flex. New York’s rideshare rules primarily address transportation network companies carrying passengers, while Amazon Flex involves package delivery. An insurer may treat those activities differently.

Does Amazon Provide Flex Insurance in New York?

No, Amazon’s complimentary commercial auto policy for Flex delivery partners does not currently apply in New York.

This is a major difference between New York and most other states. Outside New York, Amazon says its Flex commercial auto policy includes:

• Auto liability coverage
• Uninsured and underinsured motorist coverage
• Contingent comprehensive and collision coverage

That policy generally applies only while the Flex delivery partner is actively delivering during a delivery block. Amazon also states that claims can be denied if someone other than the registered Flex delivery partner is driving when the accident occurs.

Those Amazon-provided protections should not be assumed to exist for a New York Flex driver. New York drivers need to arrange coverage that applies to their delivery activity through their own insurer or another insurance provider.

If you are comparing coverage, also ask how your policy handles accidents caused by drivers without enough insurance. New York requires basic uninsured motorist protection, while optional uninsured and underinsured motorist coverage can provide broader protection depending on the policy.

What If You Use a Personal Policy Without Telling Your Insurer?

Do not assume that an accident will be covered simply because you have an active personal auto policy. Your insurer determines coverage according to the policy language, endorsements, how the vehicle was being used, and the circumstances of the loss.

If your policy excludes the type of paid delivery work you are performing, you could face a coverage dispute or claim denial. Material changes in vehicle use can also affect underwriting and may contribute to an insurer deciding to cancel or nonrenew your car insurance when permitted under New York law and the policy terms.

The safest approach is simple: disclose the Amazon Flex delivery activity before you start and get confirmation that you have appropriate coverage.

How to Find Insurance for Amazon Flex in New York

Because Amazon’s commercial Flex coverage excludes New York, shopping carefully is particularly important. Start by contacting your current insurer and explaining exactly what you will be doing.

1. Tell the insurer you drive for Amazon Flex. Specify that you use your own vehicle to deliver packages for compensation.
2. Ask whether your current policy covers deliveries. Do not rely on assumptions about “business use” or rideshare coverage.
3. Ask what additional coverage is available. Depending on the insurer, this might involve an endorsement or a separate commercial policy.
4. Request the answer in writing. Your declarations page and policy endorsements should reflect the coverage you purchased.
5. Compare several insurers. Availability and pricing can vary considerably, particularly for vehicles used for delivery work.
6. Compare the same limits. A cheaper quote may simply provide less liability protection or higher deductibles.

The same general concern applies to other app-based delivery work. See our guide to food delivery insurance in New York if you also drive for services such as DoorDash, Uber Eats, or other delivery platforms.

What to Do Before Your First Amazon Flex Delivery

Before using your vehicle for your first Amazon Flex block in New York, review both Amazon’s current requirements and your own insurance policy. At a minimum, verify the following:

• Your New York auto insurance is active and satisfies state financial responsibility requirements.
• Your insurer knows the vehicle will be used for paid package delivery.
• Your policy or endorsement specifically provides the coverage you need while delivering.
• You understand when coverage begins and ends in relation to a Flex delivery block.
• You know your liability limits and any collision or comprehensive deductibles.
• You understand whether passengers or other drivers are covered while the vehicle is being used for deliveries.

Insurance products and Amazon Flex requirements can change, so check your policy and the Amazon Flex FAQ again when you renew your insurance or if Amazon changes its delivery program.

FAQs on Amazon Flex Insurance in New York