Why do pizza delivery drivers need insurance?
If you back into a customer's fence while making a delivery, you could end up spending a fortune on repairs and legal costs. Business insurance protects pizza delivery drivers from costly auto accidents, lawsuits, and injuries. Your state will also require you to have a certain amount of coverage.
Find affordable insurance
Pizza delivery drivers can save money on business insurance by comparing quotes from top-rated providers.
A licensed agent will help you find the right policies for your unique risks and your budget.
What kind of insurance do you need to deliver pizza?
General liability insurance
General liability covers lawsuits brought by people outside your business, such as a customer who trips over a pizza box on their porch and breaks their ankle.
- Slip-and-fall accidents
- Accidental property damage
- Copyright infringement claims
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for pizza delivery drivers to buy general liability coverage and commercial property insurance together.
- Accidental bodily injuries
- Stolen or damaged business property
- Business interruption insurance
Commercial auto insurance
This type of insurance covers financial losses in the event of an auto accident involving your pizza delivery car. Most states require this coverage for vehicles owned by a business.
- 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 food delivery companies that have employees. It also covers work-related medical costs for sole proprietors, which personal health insurance can deny.
- Employee medical expenses
- Disability benefits
- Lawsuits from injured workers
Cyber insurance
This policy helps pizza delivery businesses recover from a data breach or cyberattack. It's recommended for any business that stores email addresses or other personal information.
- Data breach investigations
- Fraud monitoring services
- Cyber extortion demands
Errors and omissions insurance
E&O insurance covers legal costs related to a food delivery driver’s performance, such as a customer who sues over a missed delivery. It's also called professional liability insurance.
- Late or undelivered pizza
- Damaged or missing items
- Billing errors
How much does pizza delivery insurance cost?
A pizza delivery driver who works as an independent contractor won't have to pay a lot for business insurance.
Factors that affect your business insurance rates include:
- Type of pizzeria or food delivery service you work for, such as DoorDash or Uber Eats
- Delivery method, such as car or bike
- Business income
- Where you operate
- Types of business insurance purchased
- Policy limits and deductibles
- Your driving record
How do I get pizza delivery insurance coverage?
It’s easy to get pizza delivery driver insurance 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 an affordable insurance program for your unique risks, whether you work full-time or part-time.
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FAQs about business insurance for pizza delivery drivers
Is pizza delivery covered by my personal auto insurance policy?
Your personal auto insurance coverage protects you while you're driving for personal reasons. It won't cover delivery driving, or any business use beyond a commute.
You'll need to buy a car insurance policy that covers delivery driving, in the amount mandated by the laws in your state.
What insurance do I need to deliver pizzas?
Delivery driving increases your risks substantially, which is why you need additional coverage. If you get into an accident while driving for business purposes, your personal auto insurance provider could deny a claim, cancel your policy, or accuse you of insurance fraud.
There are a few ways to get the right coverage for delivery driving:
- A delivery driving / rideshare endorsement for your personal auto policy
- Hired and non-owned auto insurance (HNOA)
- Commercial auto insurance
The cheapest option is to ask your provider for a delivery services add-on (also called rideshare coverage). However, not every insurance company offers this option.
HNOA insurance is another inexpensive choice. This policy covers legal costs in the event of an accident in a leased, rented, or personal vehicle used for delivering pizzas. However, HNOA won't cover damage to your own vehicle.
Finally, you could buy commercial auto insurance, which you can customize to include different kinds of coverage, such as physical damage insurance. A commercial policy is required if your business owns a vehicle.
Whichever option you choose, make sure to buy sufficient coverage to fulfill your state's requirements.
Does pizza delivery insurance cover accidents during deliveries?
Your insurance policy should cover the cost of an accident—provided you have the right coverage.
How you're covered depends on the type of driving:
- Driving for personal use. When you're driving for your own reasons, your personal auto insurance would cover the insurance claim, up to your policy limits.
- Delivering pizza in your own car. A delivery endorsement or hired and non-owned auto insurance policy will cover the claim if you get into an accident while making deliveries in your personal car.
- Driving a business-owned vehicle. Commercial auto insurance covers accidents involving vehicles owned by a business. You can customize your policy to include comprehensive insurance, collision insurance, and other types of coverage.
If you're injured on the job, workers' compensation insurance would help pay for your medical bills and disability benefits until you've recovered enough to get back to work. Typically, employers must provide this coverage to comply with state laws.
Ask an agent if you need help finding the right type of pizza delivery insurance for your business needs.