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Why do DoorDash delivery drivers need insurance?
An auto accident in your personal vehicle could devastate a Dasher's hard-earned funds. Business insurance can help pay for legal costs, medical bills, and expenses from an accident. Drivers must carry car insurance to comply with state laws and their DoorDash agreement.
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DoorDash drivers can save money on policies by comparing quotes from top-rated insurance carriers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What kind of insurance do you need for DoorDash?
These insurance policies cover common risks faced by DoorDash drivers.
General liability insurance
General liability covers common lawsuits brought by people outside your business, such as a customer who sues because their dog was injured in an interaction with a DoorDash driver.
BEST FOR
- Customer bodily injuries
- Accidental property damage
- Copyright and defamation claims
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for DoorDash delivery partners to buy general liability coverage and commercial property insurance together.
BEST FOR
- Accidents that harm customers
- Stolen or damaged business property
- Business interruption insurance
Commercial auto insurance
This policy covers financial losses in the event of an auto accident involving the vehicle you drive for DoorDash. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Injuries caused by your vehicle
- Property damaged by your vehicle
- Theft or vandalism of a delivery vehicle
Workers' compensation insurance
Most states require workers' comp for delivery companies that have employees. It also covers work-related medical costs for sole proprietors, which personal health insurance can deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from injured workers
Cyber insurance
This policy helps DoorDash delivery businesses recover from a data breach or cyberattack. It's recommended for any business that handles personal information.
BEST FOR
- Data breach investigations
- Fraud monitoring services
- Cyber extortion demands
Errors and omissions insurance
E&O insurance covers legal costs related to your work performance, such as a customer who sues over an undelivered order for a corporate event. It's also called professional liability insurance.
BEST FOR
- Late or undelivered meals
- Damaged or incorrect orders
- Other instances of negligence
Looking for different coverage? See more policies.
How much does insurance cost to drive for DoorDash?
A Dasher who works independently can expect to pay less for insurance than a Local Commerce Service Partner (LCSP) that hires drivers.
Factors that affect business insurance rates include:
- Type of business
- Value of your vehicle and business property
- Business income
- Your pickup and delivery locations
- Types of commercial policies purchased
- Policy limits, deductibles, and exclusions
- Driving records
How do I get DoorDash insurance coverage?
It’s easy to get insurance for DoorDash, Uber Eats, Grubhub, or ridesharing if you have your business information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. Small business owners can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose a policy.
- Pay for your policy and download a certificate.
Insureon's licensed insurance agents work with top-rated U.S. providers to find affordable commercial coverage that matches the risks of driving for DoorDash, whether you're an independent contractor or a Local Commerce Service Partner with employees.
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FAQs about business insurance for DoorDash drivers
Review answers to commonly asked questions about DoorDash car insurance requirements and more.
What are the DoorDash insurance requirements?
All drivers need to carry a personal auto insurance policy that meets their state's minimum coverage requirements, as part of the DoorDash Independent Contractor Agreement.
In addition, DoorDash provides auto liability insurance for Dashers involved in accidents during the Delivery Service period. In most states, this includes:
- $1 million in bodily injury coverage
- $1 million in property damage coverage
This coverage applies only while you are driving for an active delivery. It does not cover you while you are logged into the DoorDash app waiting for an order, or when an order has been canceled. You may want to consider buying hired and non-owned auto insurance (HNOA) or a delivery endorsement for your personal auto policy to cover gaps in coverage.
In the following states, DoorDash provides drivers with auto liability insurance during both the Delivery Available and Delivery Service periods, though with lower limits:
DoorDash also offers occupational accident insurance that provides coverage if you are injured while making a delivery. However, if your business hires drivers as employees, then you must supply them with workers' compensation insurance to comply with state laws.
What do you need to qualify for DoorDash?
DoorDash outlines specific requirements for Dashers. You don't necessarily need to drive in order to make food deliveries.
Dashers must:
- Be at least 18 or 19 years old, depending on your state
- Have an iPhone or Android smartphone
- Complete the DoorDash sign-up process
Depending on their location, Dashers might have opportunities to deliver using a motorcycle, bike, e-bike, or scooter. If you drive, then you need to have a domestic driver's license and a personal car insurance policy.
Do I have to tell my insurance I drive for DoorDash?
Yes. DoorDash drivers need to inform their auto insurance provider about their work. While your rate might increase, it's worth the extra cost to avoid potentially devastating expenses from an auto accident.
Your personal auto insurance won't cover delivery driving, or any business use beyond a commute. If you get into a car accident while driving for DoorDash, your provider might cancel your policy or deny a claim.
The cheapest insurance option is to ask your provider for a delivery services add-on (also called rideshare coverage). However, not every car insurance company offers this option. Another possibility is hired and non-owned auto insurance, which covers personal, rented, and leased vehicles used for business.
Delivery driving increases your risks substantially, which is why you need additional coverage. You could also be accused of insurance fraud if you fail to inform your provider.
What happens if a DoorDash driver gets in an accident?
If you get into an accident, the outcome depends on the type of car insurance coverage you purchased and how you were using the vehicle.
There are a few possible scenarios:
- You were driving your car for personal use. In this case, your personal auto insurance should cover the insurance claim, up to your policy limits.
- You were driving during a Delivery Service period. This is when DoorDash's coverage might apply. However, you must first submit a claim to your personal insurer and have it denied in order to qualify for DoorDash's coverage.
- You were driving for work, but not during a period covered by DoorDash. For example, you might get into an accident while you're waiting for a delivery request. This is a good example of a coverage gap where you'd need a delivery endorsement or hired and non-owned auto insurance.
Keep in mind that DoorDash won't cover damage to your own vehicle. For that, you'd need a policy that includes physical damage coverage.
If you need help finding the right coverage, don't hesitate to ask an agent. They can help you find delivery endorsements, HNOA, or other kinds of commercial car insurance for your business.