Hunter NelsonOwner of Nelson Insurance Agency

Amazon Insurance Coverage: What Truckers Need to Know Now!

1 Jul 2025 · 1 min

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0:53

A short YouTube segment by Hunter Nelson explaining insurance coverages Amazon requires or allows for truckers and carriers working with Amazon. Covers general liability, auto liability, cargo insurance amounts, trailer interchange/physical damage minimums, occupational accident vs. workers' compensation distinctions for 1099 vs W2 drivers, and notes state-specific workers' compensation rules for states like North Carolina and Nebraska.

Questions this video answers

$100,000

$50,000

North Carolina

Nebraska

A plus rated

Chapters

You know an Amazon's got all those sort of coverages that you guys need. You know you're going to have to have general liability, you're going to have to have auto liability, you're going to have to have 100,000 cargo and the last coverage and requires at least 50,000 in trailer interchange or not on trailer physical damage. These guys will do all that. These guys are A plus rated which Amazon does not even require but they're going to, but they're going to allow you to get all those coverages. They're going to allow you to get occupational accident if you guys have 1099 drivers they're going to allow you to get workers compensation if you have W2 drivers. And you want to make sure. Well some states are going to require that you have workers comp. Some states are going to say like North Carolina if you have four plus employees you have to have work comp. And you know states like Nebraska if you get caught without work comp they're going to find you like there's absolutely no tomorrow. So a lot of you guys are going to need work comp especially if you're growing.