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Everything Amazon DSPs need to know about workers’ compensation

November 16, 2020
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Amazon provides tons of support for its delivery service partners (DSPs) in Colorado—but workers’ compensation coverage is not included. 

Our customer experience team at Pinnacol gets countless questions about Amazon DSPs and their workers’ comp needs. 

Let’s take a closer look at the answers to the most common questions we get from Amazon DSPs:

Do Amazon DSPs even need workers’ compensation coverage?

Yes! 

Colorado law requires all businesses to be covered with an active workers’ comp policy as soon as they hire their first employee. 

Your workers’ comp policy is designed to protect both your company and your employees. 

If you have a mix of employees, independent contractors and subcontractors, watch this short video to understand how they affect your policy.

Do I need an agent to get workers’ comp?

Agents aren’t required, but they can make the process easier for you in many ways. 


We partner with hundreds of agents across the state who are ready to help you at a moment’s notice. 

If you choose not to go with an agent when you’re getting started, you may want to consider one as your delivery business grows.


How much does workers’ comp coverage cost for an Amazon delivery business?

No provider is able to tell you exactly how much your policy will cost without learning more about your business. This is because policy costs are decided by a handful of factors.

Take a look behind the curtain at the factors that affect your premium:
  • Number of employees
  • The type of work your employees do, or the class code
  • Your accident and claim history compared with the average claims experience in your industry, which is known as your experience modifier
  • Discounts based on your efforts to maintain a safe workplace

How does the claims process work?

Here’s what happens when an employee is injured:

1. Report the injury  

File a claim anytime from anywhere using Pinnacol’s policyholder portal or your phone.

2. Initial treatment 

We pay for your injured worker’s medical care, and if he or she misses more than three work shifts, we provide wage replacement. Pinnacol is faster and more accurate than our competitors when paying benefits to injured workers.

3. Medical case management  

Our medical case managers ensure injured workers receive the right care at the right time, resulting in claims closure that’s 15% faster and costs that are 25% lower. Even better, this service is integrated into the claims process at no cost to you.

4. Getting back to work 

Our team of experts will help you put a program in place that gets your injured employee back to work as quickly and safely as possible.

5. Claim closure 

Pinnacol resolves claims 12% faster than our competitors, so your employees can get back to full strength sooner.

Learn more about the workers’ compensation claims process.
Take a closer look at the importance of workers' comp for Amazon DSPs with our free infographic.
View full the PDF.

What common hazards do Amazon DSP employees encounter?

According to our data from more than 170 claims in 2019-2020, the most common causes of injury for Amazon DSPs are:

  • Slips, trips and falls
  • Strains
  • Dog bites

Falls on snow and ice are by far the most common and most serious. 

Pinnacol’s workplace safety team knows Colorado weather and terrain better than national workers’ comp providers, and are readily available to help keep your team safely on their feet.

See injury trends for the Amazon DSP industry here.

How fast can I get workers’ compensation coverage for my Amazon delivery business?

It can depend on several factors, but in most cases, you can get a free quote and active coverage in less than five minutes online.

Get your workers’ comp quote now.

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