Whether it’s a means of making some extra cash on the side or a full-time devotion to delivery driving, you’ll need to make sure you have the right insurance coverage. UberEats, Grubhub, DoorDash, ExpressScripts and Amazon are just some of the convenient services that require people like you to get people what they need. But, it’s important to stay protected while you drive and have a reliable insurance plan in place before you get started.
Commercial Insurance
Commercial car insurance offers coverage on vehicles used for business purposes. This option offers the highest protection for delivery drivers, but also comes at the highest price point. This insurance is best used if you are driving for multiple delivery companies, have multiple vehicles used for a business, or have a company that has its own delivery service vehicles.
Rideshare Endorsements
Many insurance providers now offer rideshare endorsements as an add-on to your personal auto-insurance policy. This helps cover you beyond just your personal policy and whatever coverage the rideshare company offers. (i.e. in between orders/rides) Your own quote will obviously vary based on your driving profile, but rideshare endorsements are usually reasonably priced. However, this option is sometimes not offered with certain providers so be sure to check in advance.
Business Use Endorsements
If delivery driving is more of an occasional endeavor for you, commercial car insurance and rideshare endorsements may not make sense for you. If you just drive at certain times of year, or just every once in a while for extra money, your insurance may offer an addition of a business use endorsement to your personal plan that you can add or drop at your convenience. As a seasonal driver, this would be the most cost-effective way to stay protected without overpaying.
Choose The Best Plan For You
Overall, it depends what delivery service you’re driving for and whether they provide coverage for you, if at all. For example, Amazon Flex covers you under its commercial policy, but still requires you to have your own personal insurance. GrubHub and Instacart don’t offer any coverage at all. They both require you to have your own policy in place based on your state’s requirements. DoorDash offers commercial coverage of up to $1 million when you’re actively delivering, but only if your personal insurance denies you a claim. Uber Eats also offers commercial coverage up to $1 million (for every state except New York), but you have to have comprehensive and collision insurance on your personal policy to qualify. Be sure to confirm upon signing up for whatever delivery service you choose, and then from there, look for the appropriate accompanying insurance policy.
It’s important to research what your delivery service covers before you start driving so you can choose the right policy to go with it. Contact us today to learn more about the best insurance options so you can keep delivering safely.