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Why do Grubhub delivery drivers need insurance?
Driving for Grubhub provides a flexible way to boost your income, but an accident could wipe out all your earnings. Business insurance can pay for legal fees, medical bills, and repairs. Grubhub doesn't provide coverage, so you'll need to buy your own auto insurance to comply with the law.
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With Insureon, Grubhub drivers can get business insurance the same day they apply for quotes.
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What kind of insurance do you need for Grubhub?
These insurance policies cover common risks faced by Grubhub drivers.
General liability insurance
General liability covers lawsuits brought by people outside your business, such as a customer who trips over your delivery bag and breaks their ankle.
BEST FOR
- Slip-and-fall accidents
- Accidental property damage
- Personal injury claims
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for Grubhub 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 Grubhub. 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 Grubhub 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 corporate customer who sues over a late delivery. It's also called professional liability insurance.
BEST FOR
- Late or undelivered meals
- Damaged or missing items
- Wrong meal delivered
Looking for different coverage? See more policies.
How much does insurance cost to drive for Grubhub?
A Grubhub driver who works as an independent contractor won't have to pay a lot for business insurance.
Factors that affect your business insurance premiums include:
- Type of business
- Value of your vehicle and business property
- Business income
- Where you operate
- Types of business insurance purchased
- Policy limits and deductibles
- Your driving record
How do I get Grubhub insurance coverage?
It’s easy to get insurance for Grubhub, DoorDash, Uber Eats, 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 coverage that matches the risks of driving for Grubhub, whether you work full-time or part-time.
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FAQs about business insurance for Grubhub drivers
Review answers to commonly asked questions about Grubhub insurance requirements and more.
Does Grubhub require insurance?
Grubhub requires you to carry auto insurance, but it does not provide insurance for its drivers. Your personal auto insurance policy won't cover work-related accidents, which means you'll need additional coverage for delivery driving.
There are a few ways to go about this:
- A delivery driving / rideshare endorsement for your personal auto policy
- Hired and non-owned auto insurance (HNOA)
- Commercial auto insurance
An endorsement to your personal car insurance is typically the most affordable option, but it's not offered by every provider.
Buying HNOA insurance is another inexpensive choice. This policy covers legal costs in the event of an accident in a personal, rented, or leased vehicle used for business.
If you want comprehensive or collision coverage that pays for repairs to your own vehicle, then you'll need commercial auto insurance. It'll cost more, but you'll be better protected against costly accidents.
Regardless of which option you choose, your policy must meet your state's requirements for auto liability insurance.
If your business hires drivers as employees, then you must provide them with workers' compensation insurance to comply with state laws as well.
Does Grubhub have its own insurance?
Unlike other services like DoorDash and Uber Eats, Grubhub does not provide auto insurance for its drivers.
If you get into an accident while driving for Grubhub, you're liable for all legal costs and damages. You'll need to buy protection beyond your personal auto insurance, which doesn't cover delivery driving.
However, Grubhub offers occupational accident insurance for its food delivery drivers, also called delivery partners. This policy pays for medical expenses and lost wages when a Grubhub driver is injured while making a delivery.
Do I need to tell my insurance I drive for Grubhub?
Yes. Grubhub 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 Grubhub, 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 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 Grubhub driver gets in an accident?
If you get into an accident, your insurance policy should cover the costs—provided you have the right coverage.
How you're covered depends on the type of driving:
- Driving for personal reasons. In this case, your personal auto insurance should cover the insurance claim, up to your policy limits.
- Driving for a food delivery service, such as Grubhub. This is when you need additional coverage, as your personal policy won't cover business use. A delivery endorsement, HNOA, or commercial auto policy will cover the claim.
If you're injured while making a delivery, then Grubhub's occupational accident insurance will cover your medical treatment and lost income.
Keep in mind that HNOA 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 best car insurance, don't hesitate to ask an agent. They can help you find delivery endorsements, HNOA, or other policies for your business.
What do you need to qualify for Grubhub?
Grubhub outlines specific requirements for its delivery partners. You don't necessarily need to drive in order to make deliveries.
Delivery partners must:
- Be age 18 or older (21 or older in Las Vegas, NV)
- Have a Social Security number
- Have an iPhone with iOS 11 or higher, or an Android with 5.0 or higher
- Have a data plan
- Have a checking account for direct deposit
If you drive for Grubhub, you must have auto insurance and a valid driver's license. If you're 18, then you must have had a driver's license for two years.
To make deliveries on a bike, you must have either a state ID, a driver's license, or a passport.