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Miami-Dade, Broward & statewide
That blue-branded van looks like Amazon — but the driver usually works for a separate delivery company Amazon hired, under a policy Amazon arranged. For 20 years I worked for the insurers who live in that gap. Now I use it for you.
— Emanuel Galimidi, former insurance-defense attorney
Main office in downtown Miami · Consultations across Florida by phone or video
Amazon runs most local delivery through independent Delivery Service Partners (DSPs) — third-party companies that employ the drivers of the branded vans — and through Amazon Flex, gig drivers using their own cars. Because of that structure, the driver's DSP employer is usually the first party responsible under Florida's respondeat-superior rule, the driver is responsible for their own negligence, and Amazon itself can sometimes be pulled in depending on the control it exercised. Amazon typically arranges a commercial auto policy — often around $1 million — that covers DSP vans and, on a contingent basis, Flex drivers behind their personal coverage. You generally have two years to file in Florida (Fla. Stat. § 95.11(5)(a)). Figuring out which company employed the driver, which policy applies first, and whether Amazon belongs in the case is the whole battle — and it is exactly the kind of coverage map I built for insurers for two decades.
How the network works
The Amazon-logo vans are driven by employees of an independent Delivery Service Partner. That DSP — not Amazon — is usually the driver's employer and the first target for liability.
Flex drivers deliver in their own cars as gig workers. Amazon provides a commercial auto policy that generally sits behind the driver's personal insurance while they are actively delivering.
The DSP and Flex model is built to keep Amazon at arm's length. Reaching Amazon itself takes evidence of the control it actually exercised — routing, timing, and quotas.
Florida & federal law
Under Florida's respondeat-superior rule, the company that employed the driver is generally responsible for a crash caused in the course of the job — usually the DSP for van deliveries.
Amazon can face direct claims — for the control it exercises over routes and quotas, or negligent selection of a partner — but proving it takes the internal records I know how to pursue.
A serious crash can involve the driver's personal policy, the DSP's commercial policy, and Amazon's own coverage — often around $1 million — plus any excess. Reaching every layer is the case.
You generally have 2 years to file, and you can still recover if you are 50% or less at fault, with your share reducing the award. How fault is assigned is worth fighting.
Related pages: Truck accidents · Car accidents · Case results
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Questions people ask
Often it is the independent delivery company (DSP) that employed the driver, along with the driver personally. Amazon can also be brought in depending on the control it exercised, but that usually requires digging into its internal routing and quota records.
Amazon typically arranges a commercial auto policy — often around $1 million — for DSP vans, and a contingent policy for Flex drivers that sits behind their personal insurance. Identifying which policy applies first is a key part of the case.
While actively delivering, Flex drivers are generally backed by an Amazon commercial auto policy that applies behind their personal coverage. The facts of when and how they were delivering matter, so it is worth having the coverage reviewed.
Generally two years from the date of the crash under Fla. Stat. § 95.11(5)(a). It can be shorter in some situations, and evidence is easier to preserve early, so it is best not to wait.
You'll talk to a senior attorney who spent 20 years on the other side — not a case manager. The sooner I start, the more of the record I can lock down. No fees or costs unless you recover.
Call 786-442-2873