If you buy a rideshare policy youll need to disclose this information to your personal auto insurance carrier 2 Buy a commercial auto insurance policy.

Do uber drivers need commercial insurance. Yes but the commercial insurance that Lyft and Uber offer their drivers is not end-to-end coverage. Youll also need it if you are a food delivery worker. If youre shopping around for policies make sure that this is an available option.

The answer is complicated. What coverage do you personally need. Along with personal vehicle insurance drivers should also attain commercial insurance for protection purposes and liability coverage in case of an accident.

To provide riders with at least the same level of protection as on trips with non-commercial drivers we may maintain insurance above your commercial insurance when necessary. For a driver with a clean driving record there is typically up to 1m in liability with a 500. A commercial insurance policy has your bases covered as a rideshare driver.

While Intacts coverage technically solves this problem its very clear that this is a murky area that has yet to be totally ironed out. Uber has a primary commercial insurance policy with Intact Insurance that provides coverage to all vehicles drivers and passengers from the moment drivers make themselves available to accept a ride request to the moment passengers exit the vehicle. Black and SUV may be closed in a lot of markets or certain markets though.

That is to say the coverage doesnt extend from the time you start your car to the time the ride has ended in the ride-sharing app. Drivers who have a livery or limo business must maintain all compulsory licensing and commercial insurance requirements in accordance with state or local law. As a ride-sharing driver youre also required to maintain auto insurance that meets your states minimum financial responsibility.

A delivery partners liability to third parties is insured from the moment a driver accepts the delivery request to the time the delivery is complete. Uber also requires drivers to have personal coverage on their vehicles. Uber maintains a commercial auto insurance policy with 1 million of liability coverage per covered incident.