Workers' Comp Insurance for Amazon Delivery Partners
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Improve cashflow and reduce the potential for big audit bills.
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Claims Management
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Workers' Compensation Class Codes Related to Last Mile Package Delivery
Employees are grouped into classification codes based on what they do in their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a rate per $100 of payroll for each class code in order to price a policy.
Properly classifying workers is an important part of the quote process. Mis-classified employers could end up paying too much for coverage, or owing too much after an audit.
Class Code 7231
Parcel and Package Delivery.
Businesses that deliver mail, parcel or packages. Companies that deliver and pick-up non-owned packages on a local basis.
Class Code 7219
Trucking.
This class code is used for local haulers who transport general merchandise less than 200 miles from their business location or residence. May apply to portions of Amazon DSP Partners
Alternative State Class Codes Amazon Delivery:
Many states often use special class codes, other than the NCCI recommended class codes, for certain industries.
Synonyms: Courier Service, Express Delivery, Amazon DSP Driver, Amazon Delivery Service Partner, Amazon Last Mile
How Does Workers' Comp Work?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
How Much Does Amazon DSP Insurance Cost?
The average rate our customers pay for workers’ compensation under the parcel delivery class code is around $6.75 per $100 of payroll. The average cost for a a commercial liability package insurance policy is about $35,000.
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type of delivery work can modify rates
- Premium discounts and policy credits may apply
- GL rates are based on sales (rated per $1000)
- Gross revenue may affect pricing
- Delivery volume matters to underwriters
- Prior clams and years in business affect pricing
- SIC codes vary by industry
- Auto liability is based on vehicle value
- Gross revenue may affect pricing
- Drivers’ history matters to underwriters
- Prior clams and years in business affect pricing
How do I get started?
Here's what we need from you
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
We go find for your best price
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options