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, or 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

Employer-provided coverage

• Some platforms offer limited insurance
• May only apply during active deliveries—not while waiting or between jobs

Contact your agent

Driving for delivery services can be a great way to earn income, but it also comes with unique insurance risks. Understanding the limits of your personal policy and securing the right coverage can help protect you from costly surprises. Contact your agent to review your options.

This document is not intended to be exhaustive, nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. © 2025 Zywave, Inc. All rights reserved.