What insurance carrier does Amazon use?

Editorial team Published on

Amazon primarily partners with Aetna and Blue Cross (along with Kaiser Permanente for regional HMO plans) to provide employee health insurance.

Health Insurance Providers

  • Aetna & Blue Cross: Main providers for comprehensive medical, dental, and vision coverage across most of the United States.
  • Kaiser Permanente: Available as a Health Maintenance Organization (HMO) option in select regions (such as California and Hawaii).
  • RxAdvance: Manages pharmacy benefits for Amazon medical plans.
  • Optum: Provides specialty pharmacy services.

Available Plan Options

Amazon offers several comprehensive plans depending on location and employment class:

  • Basic & Enhanced Plans: In-network only options with low weekly costs (such as $5/week for fulfillment and transportation employees) and low copays.
  • Premium Plan: Offers broader network flexibility and preventive coverage.
  • Health Savings Plan (HSA): High-deductible health plan paired with a company-funded Health Savings Account.

What insurance company do Amazon employees get?

Amazon employees in the United States get medical insurance through major providers including Aetna, Cigna Healthcare, Premera Blue Cross, and Kaiser Permanente, depending on their specific location and chosen plan.

Available Insurance Providers

  • Medical Plans: Aetna, Cigna Healthcare, Premera Blue Cross, and Kaiser Permanente (options vary by state and region).
  • Pharmacy Benefits: Managed by RxAdvance, with specialty services via Optum Specialty Pharmacy and Amazon Pharmacy.
  • Supplemental & Life Insurance: MetLife (for critical illness and personal accident insurance) and UNUM (for voluntary individual disability insurance).

What insurance do you get with Amazon?

Amazon provides different types of insurance depending on your relationship with the company, such as an employee, an Amazon Flex delivery driver, or a third-party seller.

For Employees (Full-Time and Part-Time)

Eligible regular employees receive comprehensive coverage packages starting on day one or after a short waiting period, outlined on the Amazon Employee Benefits page:

  • Health Insurance: Medical, dental, and vision coverage options with low weekly premiums and small copays.
  • Life Insurance: Free basic Life and Accidental Death & Dismemberment (AD&D) insurance equal to two times your annual base salary (up to $300,000), with options to buy supplemental coverage.
  • Disability Insurance: No-cost short-term and long-term disability coverage to replace income if you cannot work due to illness or injury.

For Amazon Flex Drivers

If you drive and deliver packages for Amazon Flex, you receive commercial protection while on an active delivery route:

  • Commercial Auto Insurance: Provided at no additional cost (in all states except New York).
  • Coverage Limits: Includes $1,000,000 in auto liability coverage, uninsured/underinsured motorist coverage, and contingent collision and comprehensive coverage as long as you maintain your own personal auto insurance.

For Third-Party Sellers

  • Product Liability Insurance: Amazon requires professional third-party sellers who reach specific sales thresholds to carry their own commercial general liability or product liability insurance.
  • Providers: Amazon does not provide this insurance directly to sellers, but sellers can purchase compliant policies from third-party agencies like Simply Business.

Who handles Amazon insurance claims?

Amazon insurance claims are handled by different companies depending on the specific type of claim or protection plan involved.

  • Product Protection Plans & Warranties: Handled by Asurion for plans like Amazon Protect or Complete Protect. You can file a claim online through Asurion Amazon Claims or call 1-866-551-5924.
  • Product Defect Injuries or Property Damage: Handled directly by Amazon via their A-to-z Guarantee process for property damage or personal injury caused by defective items sold on the site.
  • Delivery Vehicle Accidents & Delivery Partner Claims: Handled by the specific Delivery Service Partner (DSP), third-party independent contractor, or commercial insurers like Marsh (for Amazon DSP insurance), though legal liability can sometimes involve Amazon directly.
  • Workers' Compensation (Employees/Drivers): Handled by third-party claims administrators like Sedgwick.

Does Amazon give good insurance?

Amazon employee health and worker insurance is widely considered very good and affordable relative to the retail and warehouse industry.

Employee Health Insurance

  • Low Cost: Weekly premiums for standard plans can be as low as $21–$22, with some basic care options or preventative services costing very little out-of-pocket.
  • Day-1 Availability: Benefits for many full-time employees start on their first day on the job. Part-time and seasonal staff may qualify after 90 days.
  • Network & Options: Amazon partners with major providers like Blue Cross Blue Shield and Premera, offering extensive network coverage, free routine exams ($0 for preventive, dental cleanings, and eye exams), and mental health support.
  • Drawbacks: Out-of-pocket costs like deductibles and copays can still add up depending on the specific tier chosen, and navigating the system can feel complex.

Commercial & Delivery Insurance (Amazon Flex / Relay)

  • Amazon Flex: Automatically provides commercial auto insurance coverage while you are actively delivering packages, though you are still required to maintain your own personal auto insurance policy.
  • Amazon Relay (Trucking): Requires strict commercial policies (such as $1 million in auto liability) that exceed basic federal minimums, which can be expensive ($8,000 to $18,000+ annually) for independent carriers to maintain and verify.

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Who is the insurance carrier for Amazon?

Amazon does not use a single insurance carrier for its entire global enterprise or its various partner networks; instead, it works with major insurance brokers like Marsh to curate different panels of authorized insurers depending on the program.

Corporate and Program-Specific Carriers

  • Amazon Insurance Accelerator (Third-Party Sellers): Through Marsh, participating small business product liability insurers include Chubb, Harborway Insurance (underwritten by Spinnaker Insurance Company), Hiscox, Liberty Mutual Insurance, Markel, and Travelers.
  • Delivery Service Partner (DSP) Program: Marsh manages Amazon's exclusive DSP insurance program where Old Republic Insurance Company provides products meeting specific coverage limits. Note that DSP owners are independently responsible for maintaining their own compliant coverage.
  • Customer Protection (e.g., Amazon Protect / Complete Protect): Extended warranties and protection plans for retail purchases are widely underwritten and fulfilled through providers like Asurion.

What is the name of Amazon insurance?

When naming Amazon on your Certificate of Insurance (COI), you must use "Amazon.com Services LLC and its affiliates and assignees" as the additional insured.

Key Naming and Policy Requirements

  • Exact Name: The legal entity name on your insurance policy must match the legal entity name in your Amazon Seller Central account info (except for single-member LLCs using a registered DBA).
  • Additional Insured: The policy must explicitly list "Amazon.com Services LLC and its affiliates and assignees".
  • Coverage Limits: At least $1 million per occurrence and in aggregate (commercial general, umbrella, or excess liability).
  • Deductible: No greater than $10,000, which must be clearly stated on the certificate.

What insurance do I need for Amazon?

Amazon has different insurance requirements depending on whether you are a motor carrier using Amazon Relay or a third-party marketplace seller.

Amazon Relay (Freight Carriers)

If you haul loads for the Amazon Relay program, you must maintain active commercial policies that meet these minimum limits:

  • Auto Liability: At least $1,000,000 per occurrence.
  • Trailer Replacement / Interchange: $50,000 coverage (required if running tractors/semi-trucks).
  • Cargo Coverage: At least $100,000.
  • Commercial General Liability: Not less than $1,000,000 per occurrence and $2,000,000 in the aggregate.
  • Workers’ Compensation: Required in all jurisdictions where your company operates (if you have W-2 employees).
  • Employer Liability: Not less than $100,000 per occurrence (if applicable).

Amazon Marketplace Sellers

If you sell products on Amazon.com, you are required under Section 9 of the Business Solutions Agreement to get liability insurance:

  • Trigger: Required within 30 days of exceeding $10,000 in gross monthly proceeds on Amazon.com, or immediately if Amazon requests it.
  • Policy Types: Commercial general, umbrella, or excess liability written on an occurrence basis.
  • Coverage Limits: Minimum of $1,000,000 per occurrence and in the aggregate, covering products, operations, and bodily injury.
  • Additional Insured: Must name Amazon and its affiliates as additional insureds.
  • Deductible: Maximum of $10,000 (must be listed on the Certificate of Insurance).

Do Amazon employees get car insurance?

Amazon employees do not receive free company-paid car insurance, but they do get access to discounted auto insurance rates through internal employee perks programs.

Employee Insurance Discounts

  • Amazon Extras: U.S. employees can access an exclusive online portal via Amazon Extras BenefitHub that offers negotiated discounts on personal auto and home insurance.
  • Supplemental Coverage: Regular employees can enroll in voluntary property and casualty insurance options at discounted rates anytime during the year.

Coverage for Amazon Drivers

  • Amazon Flex & Delivery Drivers: If you drive for Amazon Flex or are an official delivery driver using your personal vehicle or a commercial van, Amazon provides a secondary commercial auto insurance policy.
  • When it applies: This commercial coverage (which includes liability and contingent collision/comprehensive) only activates during active delivery blocks and generally requires you to already maintain your own personal auto insurance policy.

Do Amazon workers get $23 and hour?

Yes, the average pay for Amazon fulfillment and transportation workers is over $23 an hour.

Pay Details

  • Average wage: More than $23 an hour for operations workers (and pushing toward nearly $24 an hour under recent updates).
  • Starting pay: Minimum starting pay for U.S. full-time core operations roles begins at $20 an hour, varying by location, role, and shift.
  • Total compensation: Average total compensation exceeds $30 to $32 an hour when factoring in benefits like healthcare, 401(k) matches, and tuition programs.

You can read more about these updates directly on Amazon News.