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Amazon Relay Insurance Requirements

Insurance Coverage for Amazon Relay Motor Carriers

Amazon Relay requires motor carriers to maintain strict insurance coverage to haul freight under the Amazon Relay platform. These requirements are enforced continuously, and failure to comply can result in suspended loads, blocked access, or removal from the platform.

Cogo Insurance helps carriers meet and maintain Amazon Relay insurance requirements accurately, with proper limits, correct policy structure, and compliant certificates.

Required Insurance Coverages for Amazon Relay

Amazon Relay does not allow partial or incorrectly structured coverage. All required policies must be active, compliant, and properly documented.

Commercial Auto Liability

Amazon Relay requires:

  • $1,000,000 Combined Single Limit (CSL)

This coverage applies to bodily injury and property damage arising from vehicle operation.

Key points:

  • Must be written by an authorized insurer
  • Must remain active at all times
  • Any lapse can trigger immediate suspension
Amazon Relay Insurance
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Motor Truck Cargo Insurance

Amazon Relay requires:

  • $100,000 minimum cargo limit

Cargo coverage must protect Amazon freight while in transit.

Important considerations:

  • Coverage should include theft, collision, and overturn
  • Policies with restrictive theft or unattended vehicle exclusions often cause compliance issues
  • Higher limits may be appropriate based on load value

General Liability Insurance

Amazon Relay requires:

  • $1,000,000 per occurrence
  • $2,000,000 general aggregate

This coverage applies to non-auto bodily injury and property damage, including incidents at Amazon facilities.

Trailer Interchange Insurance

Amazon Relay requires Trailer Interchange coverage for carriers pulling Amazon-owned or Amazon-controlled trailers.

Minimum requirement:

  • $50,000 per trailer

Trailer Interchange covers physical damage to non-owned trailers while in the carrier’s care, custody, and control.

Important notes:

  • Coverage must not be restricted to named interchange partners only
  • Limits must reflect actual trailer values
  • Failure to carry Trailer Interchange is a common reason for Relay non-compliance

Workers Compensation or Occupational Accident

Coverage depends on driver classification.

  • Workers Compensation is required for W-2 employees
  • Occupational Accident may be accepted for independent contractors, subject to state requirements

Coverage must be active in all operating states.

Certificate of Insurance and Compliance Monitoring

Amazon Relay closely monitors insurance compliance through automated systems.

Certificates must:

  • Match the legal entity name on the Relay account
  • Reflect current policy dates and limits
  • Include all required coverages
  • Be issued by the insurer or authorized agent

Incorrect certificates frequently result in access issues.

Common Amazon Relay Insurance Problems

Carriers often lose Relay access due to preventable issues such as:

  • Missing Trailer Interchange coverage
  • Trailer Interchange limits below $50,000
  • Cargo exclusions hidden in policy wording
  • Entity name mismatches on certificates
  • Occupational Accident not accepted in certain states
  • Coverage lapses during renewal

Cogo Insurance proactively addresses these issues.

Who Needs Amazon Relay Insurance

These requirements apply to:

  • Owner operators with authority
  • Small and mid-sized fleets
  • Power-only operators
  • Regional and OTR carriers
  • Carriers hauling dry van or intermodal Amazon freight

If you haul Amazon loads through Relay, compliance is mandatory.

Why Carriers Use Cogo Insurance for Amazon Relay

Amazon Relay insurance compliance is strict and unforgiving.

  • Correct placement with Amazon-accepted insurers
  • Proper Trailer Interchange structure and limits
  • Cargo coverage aligned with Amazon freight
  • Certificate accuracy and monitoring
  • Renewal management to avoid lapses

We focus on keeping carriers active on the Relay platform.

Amazon Relay Insurance FAQ

Yes. Amazon Relay requires $1,000,000 CSL Commercial Auto Liability.

Yes. Amazon requires Trailer Interchange coverage with a minimum $50,000 limit.

It is the minimum requirement, though higher limits may be appropriate.

Yes. Missing coverage, incorrect certificates, or lapses can trigger suspension.

In some cases, yes, depending on state rules and driver classification.

Yes. We review limits, exclusions, Trailer Interchange wording, and certificates to ensure full compliance.