Coverage Guide
Delivery Driver Insurance Guide
Understand your coverage options for food and package delivery
Insurance Options
Delivery Endorsement
Add to personal policy - covers delivery gap
$15
per month
Commercial Auto Policy
Full commercial coverage for delivery work
$200
per month
Personal Insurance Won't Cover You
Most personal auto policies explicitly exclude commercial delivery activities. If you get in an accident while delivering, your claim could be denied and your policy cancelled. Always add a delivery endorsement or get commercial coverage.
Platform Coverage Comparison
| Platform | Their Coverage | You Still Need |
|---|---|---|
| DoorDash | Excess liability during active delivery | Your own collision/comprehensive |
| UberEats | Limited liability coverage | Delivery endorsement |
| Instacart | None (shopper responsibility) | Full delivery coverage |
| Amazon Flex | Commercial auto during blocks | Gap coverage when idle |