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
FAQs
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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.
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✔ 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
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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.