Here at Carrigan Insurance, we’ve fielded quite a few questions from our customers about insurance for food delivery services. Recently, such food delivery apps as Door Dash and Uber Eats have grown increasingly popular both with customers and drivers. Still, it’s important to mention that quite a few stories have made the news about delivery drivers only finding out they weren’t covered after they had an accident. Learn how to make sure you’re protected so you can enjoy the income you earn delivering meals to hungry customers.
Will Your Current Auto Policy Cover Meal Deliveries?
We understand that driving for these food delivery app services can help lots of local folks earn extra income on a flexible schedule. At the same time, we want to make sure you know that your personal car insurance probably excludes using your vehicle to conduct any sort of business, including food delivery. If you just started delivering food, you probably also underestimated the number of miles you put on your car during the year.
In any case, it’s important to let your agent or insurance company know that you plan to begin delivering meals before you accept your first order. You certainly don’t want to wait to learn if your policy will cover an accident after you’ve already had one. Some ride-share and delivery drivers never had an accident but still had their insurance terminated because their insurance company found out and considered it a breach of contract.
Your insurer may terminate you even if your delivery company offers a policy that covers you while you’re working for them. You’re still taking an extra risk by driving more miles and for different reasons that you stated when you applied for your original insurance policy.
What Insurance Do You Need for Food Delivery?
Some insurers offer optional coverage that will cover the business use of your car. So long as you’re only delivering meals — and not accepting passengers — adding in this kind of insurance may only increase your premiums by five percent or so. If you also take the opportunity to shop around for more competitive premiums, you may even end up saving money.
You certainly don’t want to get your policy abruptly terminated. Even more, you won’t want to have an accident and find out your insurer won’t pay for damages. That’s why it’s important to speak with insurance professionals before you accept any delivery work.
Even though you’re working for a food delivery service, you’re really running your own business. In order to profit, you need to treat it like a business. Part of running a business includes managing certain risks.
Find the Best Insurance for Meal Deliveries
Call upon us here at Carrigan Insurance to determine the best way to insure your car for personal or business use. We can answer questions about any coverage you may already have and explain what you need to protect yourself against accidents. After that, we’ll be happy to help you shop for competitive rates, discounts, and high-quality coverage.