Insurance For Delivery Drivers

​Why Your Personal Auto Policy Might Not Be Enough

If you use your personal vehicle to deliver food, groceries, or goods, your standard car insurance likely won’t cover you while you’re on the job.  This is because most personal auto policies exclude accidents that occur during work-related activities. Without the right coverage, a single incident could leave you financially vulnerable.

The Problem with Personal Auto Insurance

• Most personal policies exclude business use of your vehicle.
• Claims from accidents while delivering may be denied.
• You could be left responsible for:

                 Vehicle repairs
                 Medical expenses
                 Liability for injuries or property damage

Are You at Risk of Being Underinsured?

You may need to consider additional coverage if you deliver for:

• Food delivery apps (like DoorDash, Uber Eats, Grubhub)
• Grocery services (like Instacart)
• Local businesses (like restaurants, florists or pharmacies)

What Kind of Coverage Do you Need?

Commercial Auto Insurance

• Best for full-time or frequent delivery drivers
• Covers business use and higher-risk activities

Delivery or Rideshare Endorsements

• Add-on to a personal auto policy
• Suitable for part-time or app-based delivery work

Call us today at (618) 997-1311 to review your current coverage and make changes to secure the right coverage to protect you from costly surprises.