Do You Need a Commercial Auto Insurance Policy to Deliver Food? If you don’t have the right car insurance for your delivery work, you could get stuck paying big auto accident bills yourself. The best strategy: Call your car insurance company before using your car for work. If you’re in a car accident during a gap in coverage, your personal car insurance company could deny coverage, meaning you could be stuck with property damage and medical bills. For example, you might have coverage through your employer while driving a takeout order to a customer, but not while driving to the restaurant to pick up the order. The Coverage Gap Between Personal and Employer Auto Insuranceĭepending on your car insurance company and your employer’s insurance, there may be a gap between both insurance policies. If you don’t have the right coverage, you could end up with a financial disaster if you get into a car accident. Before you sign up to make deliveries, make sure you have the right type of car insurance. Post-Covid, the upward trend for delivery service is likely to continue, which means there will be a need for delivery drivers. But even before the pandemic, 45% of Millennials and 44% of Gen Z shoppers reported they only or primarily shopped for groceries online. As of May 2020, online grocery web searches increased by 202%. offering home delivery or store pick-up options. Grocery delivery has also been trending upwards, with more than half of the grocery stores in the U.S. Overall, food delivery revenue increased by more than 20% in 2020 compared to 2019. In 2019, Americans spent approximately 11 billion dollars on pizza delivery alone, according to Statista, a market and consumer data provider. Before the pandemic, Americans had already been enjoying the convenience of having both essential and non-essential items delivered to their doorsteps.
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Many businesses-like restaurants and grocery stores-rely on delivery drivers who use their personal cars.
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