Auto insurance coverage requirements for delivery drivers

Standard personal auto insurance policies typically do not cover driving activities related to food or goods delivery. Drivers working for platforms such as Uber Eats, DoorDash, Postmates, and Grubhub may find that their personal policies exclude coverage while they are performing paid delivery work.

To avoid the risk of denied claims and significant personal expenses following an accident, drivers may need a commercial auto insurance policy or a specific delivery endorsement added to their personal policy. While employers providing vehicles may have commercial coverage, individuals using their own vehicles are responsible for ensuring they have appropriate coverage for retail delivery, freight transportation, or courier services.