This coverage will not however provide protection against damage or loss to a drivers personal vehicle.

Car insurance for pizza delivery drivers. That means that without this insurance you could be held personally responsible for an auto. Restaurant policies still dont cover your cars damage. A commercial auto insurance policy is one option available to fast food delivery drivers.

However typically a commercial auto insurance policy will not cover sedans so fast food delivery drivers will require at least an SUV to qualify for this type of policy. Business owners can choose from two separate types of auto insurance for their pizza delivery businesses including employee-owned car coverage and company-owned coverage. They are a requirement for any pizza restaurant that wants to be able to compete effectively.

Do You Need Insurance to Deliver Food. For instance Progressive offers pizza delivery insurance which its website says is commercial vehicle insurance designed to protect you and your vehicle while working as a pizza or food delivery driver. Thats because food delivery is business use of the vehicle not personal use.

Non-owner auto insurance also provides excellent protection for drivers and. If your restaurant doesnt cover certain damage or vehicle breakdowns you can look at how your personal policy covers those situations. The lone exception is Travelers.

Most pizza businesses require pizza delivery drivers to have their own car insurance coverage. It may be a friends or your parents car. Car insurance companies see business.

A reputable pizza restaurant offering delivery service should have a liability policy to protect itself from damages caused by an incident with one of its drivers. The courts will construe ambiguity against the insurance carrier but most pizza delivery drivers will get denied coverage from their auto insurance carriers when they get in an accident while delivering pizza because they are using their vehicle to provide a. Personal policies are not enough for food delivery car insurance but a commercial policy provides the safest most reliable option for both food delivery driver s and business owners.