Multiple white delivery vans parked indoors in a warehouse or garage with a high ceiling and large windows.

Commercial Auto Insurance

As a last-mile delivery business, your vehicles are the backbone of your operations. Whether you're managing a fleet of Prime vans or FedEx step trucks, commercial auto insurance isn’t optional—it’s essential.

Southeastern Insurance Agency specializes in providing tailored coverage that meets Amazon and FedEx’s strict requirements while supporting your day-to-day operations.

Protect Your Fleet. Power Your Growth

  • "It’s clear they truly focus on managing risk not just selling policies, but actually helping businesses understand and reduce their exposures before a loss ever happens."

    - Courtney R.

  • "Ron and his team found actionable steps & affordable policies to eliminate the risks facing my industry. They were very patient while clarifying all the details."

    - Jennifer W.

  • "The time, consistency, and care that Southeastern puts in is unparalleled. We truly appreciate their partnership and services - our organization wouldn’t run how it does without Southeastern's help!"

    - Wilminvest

  • "The team did a great job walking me through my options step by step."

    - George T

  • "Ron and his team are great! Extremely helpful with getting me into the right insurance for my needs. Very customer first mindset and no pressure on pushing anything that wasn't needed. Would definitely recommend Southeastern to anyone!!"

    - Tyler B

  • "It was really great working with Dawn. She went the extra mile."

    - Christina C.

FAQs

  • Commercial auto insurance is designed to protect businesses that rely on vehicles for operations. It provides financial coverage for accidents, damages, and other risks involving vehicles used for work. Unlike personal auto policies, commercial auto policies are structured to protect your business, drivers, and assets while keeping you compliant with Amazon and FedEx mandates.

  • ✔ Liability Coverage
    Protects against costs related to bodily injury or property damage caused to others while using your vehicles. This is often the minimum coverage required by law and your contracts with Amazon or FedEx.

    ✔ Collision Coverage
    Covers repair or replacement costs if your delivery vehicle is damaged in an at-fault accident or collision with an object.

    ✔ Comprehensive Coverage
    Protects against non-collision-related incidents like theft, vandalism, fire, flood, falling objects, or animal strikes.

    ✔ Uninsured/Underinsured Motorist Coverage
    Provides protection if your driver is involved in an accident with someone who lacks sufficient insurance.

    ✔ Hired & Non-Owned Auto (HNOA) Coverage
    Ideal for companies that rent vehicles or have drivers using personal cars for deliveries.

    ✔ Physical Damage & Cargo Coverage
    Essential for Amazon DSPs and FedEx ISPs to protect fleet vehicles and the packages inside them.

  • If you or your employees drive any vehicle for business—whether it's owned, leased, rented, or personal—standard auto insurance won’t cover you. You’ll need commercial coverage if you:

    • Deliver packages as part of Amazon DSP or FedEx ISP contracts

    • Employ drivers operating company-owned vehicles

    • Lease or finance vehicles under a company name

    • Use your personal vehicle for frequent business purposes

  • For Amazon DSPs and FedEx ISPs, liability minimums are typically set at $1M–$5M depending on the size of your operation and contract specifications. We help ensure you meet or exceed these limits to stay compliant and well-protected.

  • "It’s clear they truly focus on managing risk not just selling policies, but actually helping businesses understand and reduce their exposures before a loss ever happens."

    - Courtney R.

  • "Ron and his team found actionable steps & affordable policies to eliminate the risks facing my industry. They were very patient while clarifying all the details."

    - Jennifer W.

  • "The time, consistency, and care that Southeastern puts in is unparalleled. We truly appreciate their partnership and services - our organization wouldn’t run how it does without Southeastern's help!"

    - Wilminvest

  • "The team did a great job walking me through my options step by step."

    - George T

  • "Ron and his team are great! Extremely helpful with getting me into the right insurance for my needs. Very customer first mindset and no pressure on pushing anything that wasn't needed. Would definitely recommend Southeastern to anyone!!"

    - Tyler B

  • "It was really great working with Dawn. She went the extra mile."

    - Christina C.