Delivery app work is becoming increasingly popular with rideshare drivers and each app provides a different level of insurance coverage to its drivers. A rideshare insurance policy covers you while you drive passengers, but it may not provide coverage while you deliver packages or food. It also might not cover add-ons like life insurance.
Below, we will detail what some of the major apps cover and some delivery insurance offerings we’ve found. It’s a good idea to check your policy and make sure you’re properly covered for any app you’d like to work with. Insurance companies are still adjusting to this new industry segment of delivery, so you may need to contact an agent directly to find solutions for your coverage. Expect to see an increase in delivery-friendly insurance policies offered in the future.
With the rising popularity of on-demand food and package delivery services, it’s no surprise that there’s a huge demand for new drivers. Companies like Uber Eats, Postmates, DoorDash and Amazon Flex are constantly looking for new workers to come on board and deliver for them. And becoming a new driver means a new 20-some-odd page independent contractor agreement to read through and digest.
How many of us actually read those things in full? Well, if you haven’t read those contracts, it’s probably a good idea to start making a habit of it, and here’s one reason why: insurance.
Insurance is a subject that a lot of us tend to ignore until we actually need to file a claim. Even today, regulators and insurance companies have had trouble keeping up with the quickly-evolving sharing economy and the insurance issues drivers face. Thankfully, many states now have specific regulations regarding rideshare insurance and insurance companies now have a lot more offerings for drivers than they used to. But when it comes to delivery work, there is little in terms of regulation or industry standards.
So let’s take a closer look at a few major delivery services and how they each handle the insurance issue.
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Related article: Life insurance for rideshare and delivery drivers