Insurance BlogTuesday, November 30 2021
 Insurance for delivering food can be more expensive than a traditional personal auto policy, but there are reasons why you must pick the right coverage if you want to stay away from big bills. There are a few different options to choose from when picking auto insurance to cover your vehicle during your food deliveries. Just having a car puts you at risk, and you must maintain minimum insurance in place, which in some states is required by law. Not abiding by these rules make you exposed to penalties, tickets, and even license suspensions. A commercial policy is an option for food delivery drivers although it costs more than your personal policy. With this type of policy, you will be covered even if you are in an accident when on a delivery. The rates will be based on your vehicle, driving record, and demographics. Most personal auto insurance policies will not cover any accident or damage that occurs during business use, and you should always inform your insurance company about any business activities you run in your car, so they can give you a clear scope of coverage or lack of, should that be the case. When you are using your personal vehicle for business, you must have it protected with a business policy if you perform any of the following activities:
If you are making those deliveries on behalf of an established food delivery company, you should explore how their own coverage protects you and whether or not you need more comprehensive protections. You should never assume that you learned how one of them covered you, and think the rest will cover you the same way. Following we highlight some differences: Amazon Flex/AmazonFresh/Amazon Prime Now. Amazon covers its drivers with $1 million in liability insurance, $1 million in uninsured/underinsured motorists, and $50,000 for comprehensive and collision over what your personal policy covers. Caviar. Caviar provides drivers with up to $1 million coverage per accident toward medical expenses, a $100,000 accidental death benefit, $100,000 in survivor's benefits, and a $500 weekly benefit for accidental disability. DoorDash. DoorDash drivers have up to $1 million in liability coverage after your insurance has paid out. Postmates. According to The Zebra, Postmates provides their drivers $1 million liability above their personal coverage. UberEATS. Drivers working for UberEATS are provided $1 million in liability coverage, $100,000 per accident, and $25,000 for property damage. Whether a big or small operation, we know what it takes to keep your business on the road safely and profitably. With some of the best coverages and services in the industry, along with our extensive experience in the transportation industry, we can make it an advantage for you. Give us a call right now to speak with one of our local licensed, experienced agents. Call us at (407) 501-8275 to speak with one of our local licensed, experienced agents today, if you prefer using online technology, clic on Florida Transportation Insurance any time of a day to receive quotes and information. |
