Cargo Van Insurance for Amazon DSP, FedEx Ground, and Last-Mile Drivers in California

If you drive a cargo van for Amazon DSP, FedEx Ground, USPS subcontracting, or any other last-mile delivery work in California, your personal auto insurance will not cover commercial use. The first time the carrier finds out you're driving for hire, they non-renew the policy — sometimes mid-contract — and you risk losing your delivery contract because your shipper requires active coverage. CoverToday is a Los Angeles-based independent broker that writes commercial cargo van policies same-day with COIs in your inbox before close of business.

What you actually need

• Commercial Auto Liability — typically $1M for Amazon DSP and most FedEx Ground contracts. State minimum is far lower but shippers contractually require $1M.

• Hired and Non-Owned Auto coverage — covers vehicles you don't own but drive for the business.

• General Liability — protects you for premise risks (someone trips at the warehouse you load at) and operational liability beyond auto.

• Workers' Compensation — required in California if you have employee drivers (W-2). 1099 owner-operators often need Occupational Accident instead.

• Cargo coverage — protects the goods you're hauling. Required by some shippers; smart to carry regardless.

Common Amazon DSP / FedEx Ground requirements

Most major delivery contracts require: $1M auto liability, $1M general liability, hired/non-owned auto coverage, workers' comp for any W-2 drivers, and the contracting party listed as Additional Insured. Coverage typically needs to be in place before your first dispatch and the COI sent to the contracting party's insurance compliance email. Miss this and your drivers can't load.

How CoverToday handles cargo van accounts

• We work with multiple commercial-auto carriers who specifically write last-mile delivery and DSP fleets.

• COIs delivered in hours, with the right Additional Insured language for Amazon, FedEx Ground, USPS, or any other shipper.

• Single-van or fleet — we write 1-van owner-operators all the way up to 50+ van fleets.

• Bilingual service — large segment of our cargo-van clients are Russian-speaking owner-operators. Service in English or Russian.

Get a quote today

Call or text 310-299-5555. Have your DOT/MC if applicable, vehicle VINs, driver MVRs, and your shipper's COI requirements ready and we can quote and bind same day. CoverToday Insurance Agency, LLC. CA License #0K77310.