Physical Damage Insurance
As an Amazon DSP or FedEx ISP, your vehicles are your lifeline. Physical Damage Insurance is essential to safeguard your fleet from costly repairs or replacements due to collisions, theft, vandalism, fire, and other covered perils.
Whether you're leasing your vehicles or own them outright, this coverage gives you peace of mind—and helps meet carrier requirements.
From Dispatch to Delivery—Insurance That Understands
FAQs
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Physical damage insurance protects your business vehicles from accidental loss or damage. It's designed to cover repairs or replacement when your fleet vehicles are involved in a crash, vandalized, stolen, or damaged by external forces such as fire or falling objects.
Many leasing and financing companies require this type of coverage, but even if yours doesn’t, it’s an important layer of protection to avoid significant out-of-pocket expenses.
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Collision Coverage
Protects against physical contact damage caused by accidents with other vehicles, stationary objects, or road hazards (like animals or curbs). Ideal for delivery vehicles constantly navigating traffic and tight spaces.
Comprehensive Coverage
Covers non-collision-related damages such as:
Theft
Vandalism
Fire
Weather events (hail, flooding)
Falling objects (tree limbs, debris)
This coverage is especially valuable for DSPs and ISPs operating in urban or high-crime areas.
Fire and Theft with Combined Additional Coverage (CAC)
This “named perils” option offers protection for specific risks such as fire, theft, explosion, or certain weather events—without the full cost of comprehensive coverage. It’s a strategic way to save on premiums while still protecting against likely threats.
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Physical damage insurance does not include:
Injuries to drivers or passengers
Damage to others’ vehicles or property
Legal or medical expenses
These are typically covered under your auto liability policy, which is also required for DSP and ISP operations.
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No, it doesn’t cover wear and tear, maintenance, or mechanical failures.