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Why do Uber Eats delivery drivers need insurance?
Uber Eats provides some insurance for its drivers, but you should consider buying more to fully protect your earnings. Business insurance can help pay for legal expenses from an auto accident, and medical bills if you're injured on the job. Some policies, such as auto insurance, are required by law.
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With Insureon, Uber Eats drivers can get business insurance and peace of mind the same day they apply for quotes.
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What type of insurance do you need for Uber Eats?
These insurance policies cover common risks faced by Uber Eats 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 Uber Eats delivery drivers 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 Uber Eats. 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 Uber Eats 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 a food delivery driver’s performance, such as a customer who sues over a missed delivery. It's also called professional liability insurance.
BEST FOR
- Late or undelivered meals
- Damaged or missing items
- Billing errors
Looking for different coverage? See more policies.
How much does Uber Eats insurance cost?
An Uber Eats 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 business
- 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 Uber Eats insurance coverage?
It’s easy to get Uber Eats food delivery insurance or rideshare 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 affordable coverage that matches the risks of driving for Uber Eats, Grubhub, and DoorDash, whether you work full-time or part-time.
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View video transcript.
[video: an animated header displays the Insureon logo. Underneath it, a subheading displays the text: "Do Uber drivers need rideshare insurance?"]
MALE VOICEOVER: If you drive for Uber, Lyft, or even Uber Eats, you might think your personal auto insurance has you covered. But here's the truth: It probably doesn't.
[video: an illustrated header displays the text: "Personal auto insurance policies often have business-use exclusions"]
Most personal auto policies have a business use exclusion.
[video: an illustrated header displays the text: "You could end up paying for:"]
[video: Under above header, three bullet points display the text: "Repairs"; "Medical bills"; "Lawsuits"]
That means if you're in an accident while driving for a rideshare app, your insurer could deny your claim, leaving you to pay for repairs medical bills, or lawsuits out of pocket. That's where rideshare insurance comes in.
[video: an illustrated header displays the text: "Rideshare insurance fills the gaps between personal and rideshare company insurance."
It fills the gaps between your personal auto policy and what the rideshare company provides, giving you consistent protection every time you're on the road.
Let's take a closer look at some of the top policies that can help protect your rideshare business.
[video: an illustrated header displays the text: "Commercial auto covers:"]
[video: Under above header, three bullet points display the text: "Auto accident injuries"; "Damage caused by your vehicle"; "Vehicle theft and vandalism"]
Commercial auto insurance protects you from costs due to an accident involving your business's rideshare vehicle. If you drive your personal vehicle for your Uber business, hired and non-owned auto insurance may be an alternate solution.
[video: an illustrated header displays the text: "General liability covers:"]
[video: Under above header, three bullet points display the text: "Slip-and-fall accidents"; "Customer property damage"; "Advertising lawsuits"]
General liability insurance covers third party accidents, such as a customer who slips when getting into your car and suffers an injury. It also covers personal and advertising
injury claims, such as libel or slander.
[video: an illustrated header displays the text: "A BOP combines general liability and commercial property into a cost-efficient policy bundle."]
A business owner's policy, or BOP, is a cost-effective way to bundle general liability and commercial property insurance coverage for less than it would cost to purchase these policies separately.
[video: an illustrated header displays the text: "Workers' comp covers:"]
[video: Under above header, three bullet points display the text: "Employee medical expenses"; "Disability benefits"; "Workplace injury lawsuits"]
Workers' compensation is required in most states for rideshare businesses with employees, and can shield you from work-related medical costs that your personal insurance may not cover.
[video: an illustrated header displays the text: "Cyber insurance covers:"]
[video: Under above header, three bullet points display the text: "Data breach investigations"; "Fraud monitoring services"; "Customer notification costs"]
Cyber insurance can help your Uber business financially recover from data breaches, phishing, and other types of cyberattacks.
[video: an illustrated header displays the text: "E&O covers:"]
[video: Under above header, three bullet points display the text: "Missed rides"; "Breach of contract"; "Scheduling errors"]
Errors and omissions insurance, sometimes called professional liability coverage, protects you from lawsuits related to work mistakes and oversights, such as a driver failing to pick up a passenger.
While Uber and Lyft do offer insurance for their drivers, it doesn't protect you all the time.
[video: an illustrated header displays the text: "App off: Covered by personal car insurance"]
For example, when the app is off, you're only covered by your personal policy.
[video: an illustrated header displays the text: "App on & waiting for requests: Limited coverage."]
When the app is on and you're waiting for a request, limited liability coverage kicks in, but doesn't cover your own car's damage.
[video: an illustrated header displays the text: "En route or with a passenger: Stronger coverage but may not cover everything."]
And when you're en route or with a passenger, the coverage is more comprehensive, but may not include everything, like medical payments or certain collision costs.
[video: an illustrated header displays the text: "Rideshare insurance helps:"]
[video: Under above header, three bullet points display the text: "Avoid denied claims"; "Cover costly repairs"; "Pay for medical expenses"]
With rideshare Insurance, you can avoid denied claims, protect yourself from costly repair bills, get coverage for medical expenses, and keep your driving business running smoothly.
[video: an illustrated white header displays the text: "Insureon is the #1 digital agency for small business insurance."]
We make it easy for small business owners and Uber drivers to find the right, most affordable coverage.
Get free quotes for your small business with Insureon today.
Click the link to get started!
[video: an animated header displays the Insureon logo]
FAQs about business insurance for Uber Eats drivers
Review answers to commonly asked questions about Uber Eats car insurance requirements and more.
What are Uber Eats insurance requirements?
Uber Eats requires you to carry personal auto insurance in the amounts mandated by state laws. You must provide proof of insurance to deliver for Uber, such as a certificate of insurance (COI).
Your personal car insurance policy protects you while you're offline. It won't cover delivery driving, or any business use beyond a commute.
Fortunately, Uber is one of the few rideshare and delivery services that offer commercial insurance for their drivers.
Does Uber Eats provide insurance coverage for drivers?
Uber provides auto insurance that applies while you're online and available, and while you're making a delivery. You should consider buying your own coverage to provide extra protection during the times when Uber's coverage is limited.
While you're online and available, Uber offers:
- $50,000 per person and $100,000 per accident for bodily injuries
- $25,000 per accident for property damage
While you're making a delivery, Uber offers:
- $1 million for property damage and injuries in an accident where you’re at fault
- Repairs to your vehicle up to its actual cash value
Uber's coverage for repairs to your vehicle has a $2,500 deductible. It's also contingent upon you having your own comprehensive coverage and collision coverage. To ensure you're well protected, Uber recommends buying your own insurance for delivery driving.
Additionally, in most states Uber Eats drivers can enroll in Optional Injury Protection. This insurance can pay for medical expenses, disability payments, and survivor benefits if you're injured on the job.
Do I have to notify my insurance company if I drive for Uber Eats?
Yes. Uber Eats drivers need to inform their personal 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.
Delivery driving increases your risks substantially, which is why you may need additional coverage. You could also be accused of insurance fraud if you fail to inform your provider.
There are a few ways to supplement Uber's coverage with your own:
- 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 personal vehicle used for business. 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.
When you buy your own insurance, you can choose the policy limits you want. This is important if you decide Uber does not provide adequate coverage, especially during the online and available period when coverage is limited.
What happens if an Uber Eats driver gets in an accident?
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 offline and driving for your own reasons, your personal auto insurance policy would cover the insurance claim, up to your policy limits.
- Online and available. During this time, Uber provides limited coverage for its drivers. The low limits offered by Uber for this period are a good reason to look into a delivery endorsement, HNOA, or commercial auto insurance.
- Making a delivery for Uber Eats. Uber provides coverage of up to $1 million for injuries and property damage while you're picking up an order or making a delivery. A delivery endorsement, HNOA, or commercial auto policy would also cover the claim.
If you're injured on the job, Uber's Optional Injury Protection will pay for medical costs if you're enrolled. Drivers who aren't eligible or who wish to buy better protection can sometimes buy workers' compensation insurance to protect against work-related medical bills.
Ask an agent if you need help finding the right type of food delivery insurance for your business needs.
What do I need to qualify for Uber Eats?
Uber Eats has specific requirements for its delivery drivers, which vary depending on how you choose to get around.
To deliver by car, you must:
- Be age 19 or older
- Have a two-door or four-door car
- Have a valid driver's license
To deliver by scooter, you must:
- Be age 19 or older
- Have a motorized scooter under 50cc
- Have a valid driver’s license
To deliver by bike or on foot, you must:
- Be age 18
- Have a government-issued ID
When you sign up, make sure to select the right delivery method. You must also submit your Social Security number for a background screening.
Do you need insurance for Postmates if you already drive for Uber Eats?
No, you won't need additional insurance for Postmates if you're already driving for Uber Eats.
Postmates was acquired by Uber Eats in 2020. Today, you must sign up as an Uber Eats driver to deliver for Postmates, and both companies have the same terms and conditions.