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).

Whether Amazon protection plans (handled by Asurion) are worth it depends on the cost of the item, the type of product, and your risk of accidental damage.

When It Is Worth It

• High-value electronics and portable items: Plans for laptops, tablets, and phones often cover drops, spills, and cracked screens from day one, which manufacturer warranties do not cover.
• Complex appliances or large TVs: If a major electronic component or mainboard fails during year three or four (after the standard manufacturer warranty ends), a cheap multi-year plan can save you from a costly replacement.
• Asurion Complete Protect: If you buy a lot of tech, major appliances, or furniture, the $16.99/month subscription covers multiple eligible items (past and future) up to $5,000 a year, which can offer solid value for large households.

When It Is NOT Worth It

• Low-cost or durable items: Paying for insurance on a cheap lamp, basic kitchen tool, or low-risk item is generally a waste of money.
• Items already protected: Many credit cards automatically extend the manufacturer's warranty by an extra year if you use them to purchase the item.
• The first 30 days: Most Amazon items can be easily returned or exchanged within the initial 30-day window anyway, and standard manufacturer defects are already covered for the first year.

Because "Amazon insurance" can refer to a few different things, the cost depends entirely on what type of plan you are looking for:

1. Amazon Employee Health Insurance

For regular full-time and reduced-time U.S. warehouse, fulfillment, and transportation employees, Amazon offers highly subsidized Day 1 medical insurance.

• Basic Plan Contribution: $5 per week (about $22 per month) for employee-only coverage.
• Copays: $5 for primary care, pediatric care, regular office visits, and mental health therapy.
• Other Corporate/Higher-Tier Plans: Higher-tier employee options (like Premium or Enhanced plans) generally range from $33 to over $108 per month for single coverage, or up to $587+ per month for full family coverage.

2. Amazon One Medical & Healthcare Subscriptions (For Consumers/Prime Members)

Amazon offers healthcare-focused add-ons for the general public and Amazon Prime members. Note: These are medical care memberships, not comprehensive health insurance plans.

• Amazon One Medical Membership: Costs $9 per month or $99 per year for Prime members ($199/year without Prime). It provides 24/7 on-demand virtual care at no extra cost. For in-person visits, they bill your actual health insurance. Additional family members can be added for $66 per year each.
• Amazon Pharmacy RxPass: Costs $5 per month for Prime members, giving you unlimited access to over 50 common generic prescription medications without using insurance.

3. Amazon Product Protection Plans (Asurion Complete Protect)

If you are looking to insure the items you purchase on Amazon, they partner with Asurion.

• Subscription Cost: $16.99 per month.
• Coverage: This plan covers past and future eligible Amazon purchases (like electronics and appliances) for up to $5,000 in protection per rolling 12-month period. Individual, single-item protection plans are also sold at checkout for variable one-time fees.

To deliver for Amazon Flex, you must have Hire and Reward (H&R) motor insurance alongside your standard Social, Domestic and Pleasure (SD&P) personal auto insurance.

Mandatory Insurance

• Hire and Reward (H&R): This commercial cover is a legal requirement for transporting third-party goods for payment. Standard personal or standard business-use insurance does not cover parcel delivery. You can get H&R policies through specialized providers like INSHUR or Zego.
• Social, Domestic and Pleasure (SD&P): You must maintain your regular personal car insurance to cover everyday driving.
• E-bike deliveries: If you deliver by e-bike instead of a car, you need Public Liability and Personal Accident insurance instead of motor cover.

Optional Protection

• Goods in Transit (GIT): This protects the financial value of the parcels inside your vehicle if they are stolen or damaged.
• Public Liability: This covers non-road accidents, such as if someone trips over a package left at their door.

Amazon offers eligible U.S. employees a choice of five main comprehensive medical plans, including a basic in-network plan, an enhanced in-network plan, a Premium Plan, a Health Savings Plan (HSA), and Kaiser HMO options (where available).

Health Insurance Options

• Premium Plan: Features no in-network deductible, 100% preventive coverage, and out-of-network benefits.
• Health Savings Plan (HSA): A high-deductible health plan paired with a tax-advantaged Health Savings Account funded by both you and Amazon.
• Basic & Enhanced Plans: In-network-only options with varying deductibles, copays, and out-of-pocket maximums.
• Low-Cost Fulfillment Plan: Full-time operations, fulfillment, and transportation workers can access a reduced-cost plan starting at $5 per week with $5 copays for regular office and mental health visits.
• Pharmacy Benefits: Managed by RxAdvance across all Amazon medical plans, with specialty services through Optum Specialty Pharmacy.

Additional Insurance Coverages

• Life Insurance: Amazon provides basic life and accidental death and dismemberment (AD&D) insurance equal to twice your annual base salary (up to $500,000) at no cost.
• Disability Coverage: Company-paid short-term and long-term disability plans cover 60% of eligible salary if you become medically disabled.
• Dental & Vision: Comprehensive coverage options are available starting on day one for regular full-time and reduced-time workers.

Most users on Reddit agree that enrollment is not automatic, meaning you must actively elect your coverage during your post-hire onboarding window or the annual open enrollment period. You can review specific plan documentation and select options through the official Aetna Amazon Plan Options portal.