In the case of certain rideshare and delivery apps, there is an endorsement called a Transportation Network Company (TNC) endorsement. An endorsement alters the original terms, often by adding coverage for something that wasn’t covered before. For those who don’t know, an “ endorsement” is a type of revision or an addition to an existing insurance policy. Can I add an endorsement to my current auto policy, in order to do delivery work? It’s important to review the fine print with a licensed insurance agent. Existing Coverage (whether or not the driver already carries comprehensive and collision coverage)Ĭlearly, these aren’t conditions the average person should be decoding and evaluating on his own.Time of Accident (whether or not the driver is working in between accepted deliveries).Amazon Flex in New York-app companies say drivers must carry their own commercial coverage.) For example, drivers may or may not be covered by the app company’s insurance depending on: But there are a lot of variables and conditions that limit when the coverage applies, creating dangerous gaps. To a limited extent, most of these companies do provide some coverage. Doesn’t GrubHub/DoorDash provide insurance for their drivers? In many cases, a commercial auto policy or a TNC endorsement is required–more on this in a moment. Their work would not be covered by a standard personal auto policy, much like those who drive for Uber or Lyft can’t rely on personal insurance. But again, beware that this kind of delivery coverage is different than driving for GrubHub, etc.ĭrivers who deliver for takeout apps or for Amazon Flex are technically “public/livery conveyance” workers. Ask your local agent if your carrier is on this list. Some insurance carriers do allow insureds to deliver food (say pizza, for example) if they are an employee of one specific restaurant, and if they use a private passenger vehicle (pickup trucks and vans would be excluded). Meanwhile, if you are involved in an at-fault collision while delivering food for GrubHub, DoorDash, or a similar food delivery app, it is very possible your insurance company would deny the claim-leaving you to pay for any damages. If you tell your carrier you are using your car to deliver goods beware they may cancel your coverage. Personal auto policies typically exclude any claims involving the paid delivery of goods-which could mean takeout food, groceries, newspapers, or packages. Let’s look at your current auto policy first… Will my personal auto policy cover me as a delivery driver? But that doesn’t necessarily mean you’re in the clear by choosing one of these employers. According to the RideShare Guy, companies like UberEATS and Amazon Flex do it better than most. This depends on 1.) what your current auto policy covers and 2.) how well the company you deliver for will supplement your personal coverage (if at all). What kind of insurance do delivery drivers actually need? Just have a valid driver’s license, insurance, and a clean driving record.”īut this may not be the full story. Here’s why delivery insurance is so confusing… And what you need to know if you’re considering a job like this: What are the delivery insurance requirements for GrubHub, etc.?Īccording to GrubHub, drivers must be age 19+, with 2+ years of driving experience, a valid driver’s license and “auto insurance.” (No specific wording on the type of auto insurance is mentioned.) DoorDash requirements for drivers are equally vague, stating, “You can use any car to deliver. If you live and work outside Massachusetts, the following info may still be helpful, be we recommend contacting an independent insurance agent who is based in your city. If you are a Massachusetts driver working for GrubHub, DoorDash, or similar, our team can help you understand your coverage needs and options. Unfortunately, delivery drivers may be overlooking a pretty big threat: inadequate insurance. The gig economy is booming-with thousands of drivers eager to be their own boss, make their own schedule, and work from the comfort of their own car. Thinking of earning some cash as a driver for GrubHub, DoorDash, UberEATS, or Amazon Flex? You’re not alone.
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