Food Delivery Insurance Policy in Utah
Whether your child has started a new job or you are looking to earn extra income delivering food, having the proper insurance is important. The modern world of convenience is offering us many new ways to get food and almost instant retail deliveries, but what you should know is that your standard auto insurance policy likely does not cover you for delivery type services.
If you are considering working for other companies such as DoorDash, Grubhub, Postmates, Uber Eats, Instacart or other delivery type companies, contact us to discuss your insurance options!
A commercial auto insurance policy is needed for:
- Freight delivery
- Food delivery services
- Courier delivery services
- & many more!
Some people think that simply not telling their insurance company means they won’t be able to charge them the extra premium and that they will pay the loss. Don’t kid yourself. Simply not telling your insurance company that you or your child is using their vehicle for delivery does not mean they will cover you when a loss occurs using the vehicle. In fact, when it comes to insurance, it is a black and white coverage decision. Either there is coverage or there isn’t.
When deciding what coverage you need, ask yourself these questions:
- Who owns the vehicle you’re using for delivery? If it is owned by the company, they probably have a commercial policy. If you own it, you need to carry the right insurance.
- How are you using this vehicle? Delivery drivers need a commercial insurance policy.
Your best bet is to talk to a licensed agent in our office to discuss your insurance needs. Remember, simply not telling your agent or your company that you or your child is using the vehicle for delivery doesn’t mean you’ll be provided coverage regardless of any auto insurance claim you have to deal with.