Do I need commercial insurance for an Amazon DSP route?

Yes — Amazon requires a commercial auto policy with $1M CSL and motor truck cargo with at least $25K limit. Personal auto policies exclude business use.

Can I get cargo van insurance with a new business?

Yes, but expect a new-venture surcharge for the first 12 months and a smaller carrier list. Several E&S markets specialize in new authority cargo vans.

Is HNOA the same as commercial auto?

No — HNOA covers liability when drivers use their own vehicles or rented vehicles for company business. It's an add-on to your liability policy.

Do I need motor truck cargo for parcel delivery?

Most contracts require it. Even without a contract, cargo insurance protects you from claims when packages are damaged or stolen in transit.

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Trucking · Cargo Van

Cargo Van Insurance — parcel, courier, and expedite operations

Cargo van insurance is built for parcel, courier, expedite, and Amazon DSP operations running Class 1–3 vans. We place primary liability, physical damage, motor truck cargo, and HNOA — and we know which carriers will write new ventures and which won't.

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At a Glance

Vehicle class: Class 1 – 3
Liability typical: $1M CSL
Cargo typical: $10K – $25K
New ventures: Yes (select markets)

Quick answer

Ellie Insurance Group is an independent business insurance agency (founded 2014, headquartered in Tampa, Florida) that shops 100+ carrier markets to place cargo van insurance — commercial auto liability, physical damage, motor truck cargo, and FMCSA filings (MCS-90, BMC-91X, BOC-3) — for motor carriers and owner-operators. As an independent broker we compare real quotes side by side across competing trucking markets instead of locking you into one carrier. Start an Instant Quote and a licensed agent shops your account for you.

Coverage

What this trucking program covers

Primary liability
$1M CSL standard for Amazon DSP and broker contracts.
Physical damage
Collision + comprehensive on each van.
Motor truck cargo
Common $10K–$25K limits; higher for expedite and high-value freight.
HNOA
Hired & non-owned auto for drivers using personal vehicles for routes.
General liability
Premises liability for warehouses or hubs you operate.

Federal authority and the right insurance filings sit underneath all of this. If you run interstate, see how FMCSA filings and financial-responsibility rules (MCS-90, BMC-91/91X, BOC-3, and UCR) tie into the coverage above.

Common gaps

What it typically won't cover

Personal-use accidents (without NTL)
Cargo theft past sub-limit
High-value parcels over commodity sub-limit
Mobile equipment or tools without inland marine endorsement
Hazmat without specific endorsement

How claims actually happen

Real-world losses this program responds to

Underwriting is about exposure. These are representative scenarios for this class — how a loss unfolds and which coverage answers.

Intersection collision on a route

A delivery van rolls a yellow light and T-bones a sedan. Primary auto liability pays the injured driver's medical bills and vehicle repair; physical damage covers the van so the route stays staffed.

Stolen van with parcels

A driver leaves the van running at a porch drop and it's stolen with a full load. Comprehensive covers the vehicle theft; motor truck cargo responds to the lost parcels up to the sub-limit, subject to the unattended-vehicle condition.

Personal-errand crash

A DSP driver uses the company van for a lunch run off the route and causes an accident. The commercial policy may contest the personal use; non-trucking or HNOA wording determines who pays.

Pricing

What drives this premium

Operation type

Amazon DSP, parcel courier, and expedite each rate differently.

Driver MVRs

Clean 3-year MVRs unlock standard markets; tickets and accidents move you to E&S.

Operating radius

Local (under 50 miles) cheapest; regional moderate.

Fleet size

5+ units may qualify for fleet pricing.

Loss history

Three years clean loss runs are required for preferred markets.

Years in business

New ventures pay 30–50% more for the first 12 months.

Want a realistic budget before you quote? See typical Florida truck insurance cost ranges by vehicle for primary liability, cargo, and full-program estimates across every equipment type.

Filings & compliance

Authority and insurance filings come first

Cargo vans under 10,001 lbs are often exempt from FMCSA financial-responsibility filings, but for-hire interstate work above that weight or under contract (e.g., Amazon DSP) can trigger authority and BMC-91/91X filings. We confirm your exact status before you rely on an exemption.

Read the FMCSA filings guide

Quote checklist

What we'll need to quote

Quote checklist

What we'll need to quote

Van schedule with VINs, makes, models
Driver list with MVRs
Operation type (DSP, parcel, expedite)
Primary routes and radius
Commodities and average load value
Five-year loss runs
Current declarations pages

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FAQ

Frequently Asked Questions

Yes — Amazon requires a commercial auto policy with $1M CSL and motor truck cargo with at least $25K limit. Personal auto policies exclude business use.
Yes, but expect a new-venture surcharge for the first 12 months and a smaller carrier list. Several E&S markets specialize in new authority cargo vans.
No — HNOA covers liability when drivers use their own vehicles or rented vehicles for company business. It's an add-on to your liability policy.
Most contracts require it. Even without a contract, cargo insurance protects you from claims when packages are damaged or stolen in transit.

Keep reading

Explore related coverage

Trucking Hub

All programs and core lines for motor carriers.

FMCSA Filings

MCS-90, BMC-91/91X, BOC-3, UCR, and authority explained.

Cost by Vehicle

Florida truck insurance price ranges by vehicle and operation.

Motor Truck Cargo

Cargo coverage by commodity.

Non-Trucking Liability

Bobtail / off-dispatch liability.

Commercial Auto

Auto liability fundamentals.

Workers' Compensation

WC for company drivers.

Sources

Authoritative references

Coverage descriptions and regulatory figures on this page are general summaries reviewed against the references above and are not a statement of coverage, legal advice, or a guarantee of eligibility or price. Last reviewed June 30, 2026. Requirements and policy terms change — always confirm current rules with the relevant agency and verify coverage against the actual policy and a licensed agent.

Carrier access

Access to 100+ A-rated commercial markets

As an independent agency we shop 100+ admitted and surplus-lines carrier markets — so the carrier competes for your business, not the other way around.