Are you a delivery driver? If yes, maybe this article is for you. Whatever you’re delivering and where you’re going, you need food delivery insurance. Why? Because your standard insurance policy doesn’t cover that.
So if anything happens while you are delivering food to your customers, it will not be the responsibility of your insurance provider. That’s why you should take out the food delivery insurance option. You need food delivery insurance coverage.
In general, food delivery insurance rates go up to $300/month, relatively affordable for most Americans. Want to know more about the food delivery insurance coverage? Just keep reading!
Table of Contents
Facts About Food Delivery Drivers
There are at least 6 million car accidents in the US each year, and unfortunately, accidents involving food delivery dominate. As mentioned above, standard insurance policies don’t cover that so you have to look for other options to deal with that risk. Food delivery jobs are one of the most dangerous jobs in the US, contrary to “common belief.”
A policy that can cover the risk of accidents in food delivery is a commercial policy because it provides the safest choice for drivers and business owners. Non-owner car insurance can also provide very effective protection if used properly.
By 2023, the outlook for the food delivery business across the US is projected to grow 12% annually. If you are a food delivery driver then you must understand the scope of food delivery as one of the important criteria. With a food delivery service, you can have any hot meal at your doorstep. Hundreds of restaurants in your city accommodate this choice and of course, as a driver, you can take financial advantage of this trend.
Again, a personal car insurance policy doesn’t cover you while you’re at work and commercial auto insurance coverage is the answer for you. You can read comprehensive delivery driver insurance guides to find the best rates and service coverage, depending on which state you live in. Don’t worry, food delivery service insurance covers all states.
Whether you need insurance services to cover pizza delivery, catering, or specialty drinks, you’ll be able to find the coverage you need. On some sites, you can compare prices by simply entering your ZIP code. It’s so easy and no headache is needed!
Do you need special auto insurance as a food delivery driver?
You know better than us! But to help you out, you should understand how often you drive your car for deliveries. For information, the personal scope only covers social use and will not extend the scope of business use.
Here are the differences between personal car insurance and business car insurance:
Personal Vs Business Car insurance
Personal Car Insurance
– You drive to pick up your and your coworkers’ lunch.
– You drive to your work location.
– You are driving for a weekend trip with your coworkers.
– You drive to drop off your co-workers at the airport, port, or terminal.
– You drive to support your business but it’s not very often (maximum only 3 times per month).
Business Car Insurance
– You drive to deliver food to your shoppers.
– You drive to transport tools and equipment to your job site.
– You drive to visit your job site regularly.
– You drive to deliver your paying customers.
– You drive more than 500 miles a week.
Can you see the big difference between the two?
If you use your car for truly commercial purposes then you need to take out business car insurance because your “standard insurance” cannot protect you from all the risks that come with your driving activities. You will need to confirm your situation with your insurance provider so they can determine if you are recommended to take the “business option.”
What car insurance should you buy?
Our advice is that you should take out food delivery insurance that has a business coverage policy. In general, private policies do not cover or protect delivery drivers. A private policy doesn’t cover cars specifically for food delivery so you should look for a policy that does.
Business coverage is very important in choosing an insurance policy to protect your food delivery activities. For your info, you can rely on PLPD insurance as this policy protects many things in your driving activities.
If you are confused about finding an insurance policy for food delivery then you can visit websites that will specifically help you to find the best policy. One of them is AutoInsurance.org. Hopefully what has been explained in this article can solidify your intention to take a business insurance policy. With a business insurance policy, you can be calmer in your food delivery activities and of course, the risks that may occur can be significantly minimized. Thanks for reading and have a nice day!
