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Delivery Driver Insurance
It is critical to remember one of the rules of auto insurance when delivering food for UberEATS, Doordash, Postmates, Seamless or a similar service: you can't use your vehicle for business purposes or to transport goods.
A lot of Americans have personal auto insurance policies, but if you deliver goods with your vehicle you may need commercial auto insurance.
You can obtain a commercial car insurance policy, inquire whether a business-use personal policy is available from your provider, or - which is not recommended - fail to inform your insurer of your occupation.
Here are a few options to protect you and your delivery service business.
Commercial Policy
Commercial policies can be a little more expensive than your personal policies. However, the cost will depend on your personal attributes and your vehicle. With a commercial policy, you can rest easy, any incident you might encounter will be covered and your business is protected
Business-Use Policy
A business-use policy is for drivers who use their auto for limited business use. If you’re a full-time food delivery contractor, you might not qualify for this coverage.
Personal Auto Insurance Policy
Declining to report your occupation as a delivery driver has its risks. You risk having your coverage canceled or having subsequent insurance claims denied. Honesty is always the best policy — don't get caught uninsured!
Seasonal Delivery Driver Auto Insurance
If you choose to drive for a delivery service around the holidays to make some extra cash or just in the summertime while driving conditions are fair— you still need to protect yourself with insurance.
Depending on your insurance carrier's services, you can modify your policy via your agent or online by adding or dropping endorsements.
Adding endorsements costs more, but it is in your best interest to protect yourself and your vehicle.
Before you begin driving for the delivery service, get business use coverage and cancel the endorsement when the season is over.
Get Your Business Protected with a Call Now!
The best option is to speak directly to an insurance agent. The emergence of on-demand delivery services has created a unique situation for even the best insurance companies.
If you’re interested in speaking to an expert agent or have other questions about insurance, now is a great time to call us immediately!
Get a FREE Quote!
(866) 477-1935