Do You Need Commercial Insurance For Doordash – As the convenience of having food from your favorite restaurants delivered directly to your door has attracted millions across the country to seek the services of various food delivery service apps, so has the appeal that work on making said deliveries.
According to data collected by Second Measure, food delivery services have seen annual growth of 20 percent compounded through the end of June 2021.
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Like the ridesharing business, companies, such as DoorDash, Postmates, and Uber Eats, attract drivers to work for them because of the possibilities to set up their own work schedule, quick returns for payment, and riders don’t have to deal with entry. their personal vehicles.
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But just because you have your own car and pay the insurance every month doesn’t mean you’re ready to work as a food delivery driver. Sure, your personal insurance is enough to sign up for independent contractor gigs, but in the event of an accident — like a car crash — you’re likely to get the short end of the stick, because your insurance probably won’t cover it.
To drive for these food delivery services, you need a personal auto insurance policy that covers the commercial use of a car — whether you make deliveries part time or full time. The rates for business use of a car are higher than for personal use, and that is because the risks on the road are increased due to:
Commercial and business use policies are designed to cover risks when you use your personal vehicle for commercial uses. Food delivery services are still new, and the insurance industry is still adapting to the changes. That’s why it’s so important to check with your current insurance carrier what your options are in terms of coverage if you’re considering working as an independent contractor for these food delivery services.
Among the most popular food delivery services in California are Postmates, DoorDash, and Uber Eats. Insurance policies for these companies vary in terms of the amount of coverage they provide for damages caused by food delivery accidents.
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If you have any questions about a food delivery accident or would like to schedule a free consultation to speak with one of our expert food delivery attorneys at West Coast Trial Lawyers, you can call us at by calling (888) 520-4139 or fill out our quick contact form.
According to the same Second Measure report, in the second quarter of 2021, DoorDash had 58 percent of its users ordering exclusively from them. The company has the highest percentage of exclusive users compared to every other food delivery company.
For its drivers, DoorDash requires them to “maintain [their] own insurance, in the amounts and types required by law, which includes, but is not limited to, an automobile insurance policy. If [they] fail to maintain [their] own insurance, DoorDash’s coverage may not apply.”
DoorDash offers its drivers excess auto insurance, but only for property damage or bodily injury caused by third parties. In the event of an accident, the driver’s personal auto insurance policy will serve as primary coverage. If the damages exceed the delivery driver’s policy and the accident occurs while the driver is on active delivery, DoorDash’s contingent liability policy of $1 million only applies. Furthermore, this contingent liability policy only applies if the driver is in possession of the goods to be delivered, meaning if they are driving from the restaurant to a delivery, but not to a restaurant for pickup.
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Starting June 2019, drivers will be eligible to receive work accident insurance coverage free of charge, which in the event of an accident will cover:
Postmates is one of the top food delivery services in California. And with greater need comes greater responsibility.
Postmates requires drivers to maintain an updated and personal vehicle liability policy on the vehicles they use while working for the company. The insurance limit must be equal to or greater than the minimum requirements for the state in which they drive.
Similar to DoorDash, Postmates provides an excess liability of $1 million on third party claims that only applies after the driver’s personal auto insurance coverage is exhausted. The company offers additional coverage called “occupational accident liability” coverage, which allows up to $50,000 to cover the costs of medical expenses for injuries sustained while on the job.
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Some of the busiest areas for Uber Eats drivers in California are highly congested areas such as Downtown LA, Santa Monica, and Hollywood, with the busiest times being between 5 pm and 9 pm . When driving in such areas, it is definitely in your best interest to have the right insurance coverage.
Unlike DoorDash, Uber Eats drivers’ liability to third parties extends from the moment the driver accepts the request until the delivery is completed. If the app is currently on and the driver has not yet started picking up or delivering food (or if the driver is between deliveries), the driver is covered up to $50,000/$100,000/$25,000 (per individual/accident/ property damage). Uber provides $1 million in liability coverage per incident, covered by Uber’s commercial insurance policy.
Uber Eats offers insurance coverage that pays its drivers while they are online and actively delivering food. The additional insurance that the driver receives through their private insurance will cover the time they are logged in and waiting for a request.
If you have sustained injuries as a result of a food delivery accident, our food delivery accident attorneys at West Coast Trial Lawyers can help you recover compensation for your losses, which include medical bills, property damage, lost wages, and pain and suffering.
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If you have been injured in an accident, you can count on the legal team at West Coast Trial Lawyers to fight for your rights every step of the way. Contact us today to schedule your free case review with a personal injury attorney.
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