At Terp Family Insurance, we remember the uproar a few years ago when food delivery was declared one of the riskiest jobs by the Bureau of Labor Statistics. At the same time, a lot more people have started delivering food for meal delivery apps or local restaurants.
We can certainly understand the attraction of earning wages and tips with a flexible schedule. At the same time, we know that you probably don’t want to take the risk of driving without adequate car insurance. Find out how to protect your earnings, your car, and your pocketbook by taking out the right type of car insurance for meal deliveries.
Are You Delivering Food Without Insurance?
You might not think that delivering meals is risky. After all, you pick up orders and then deliver them to residences or offices. Still, when you’re engaged in this kind of work, you’ll spend a lot more time dealing with traffic and various weather conditions. You may also have the motivation to get your job done as quickly as possible because you want to make deliveries as quickly as possible to earn more money and to please your employers and your customers.
Insurance companies understand this, and that’s why they rarely cover business use of a vehicle under personal policies. If you cause an accident while you’re delivering meals, your insurance won’t pay if it excludes business use. Even more, they might terminate your coverage for acting outside the terms of your insurance policy. You probably wouldn’t dream of driving without car insurance, but if you don’t confirm your coverage, that’s exactly what you might be doing.
Will Your Employer Cover Food Delivery?
Both large food delivery services and local restaurants may have a non-owner car insurance policy. This insurance covers worker’s cars when they use them to perform such services for the company as food deliveries. If you plan to deliver meals, make sure that you understand exactly when and how your employer’s policy will protect you.
For instance, you should learn:
- Do you always have to be engaged in specific tasks, or will it cover you while you’re delivering food, waiting for an order, or even looking for your next order?
- Does the coverage only give you legally required liability insurance? If not, will it protect you against injuries or damages to your vehicle?
Even if the employer’s policy covers you, it might only provide liability after your coverage gets exhausted. It might pay for the whole thing if your company doesn’t cover business use. On the other hand, you may still have to run the claim through your insurer first to learn that, and that’s when your insurer may terminate your coverage for non-compliance with their terms.
How to Buy the Right Coverage for Meal Deliveries
At Terp Family Insurance, we have been helping families in Manitowoc, WI, and surrounding areas for many years. Not only can we make certain that you have the right kind of insurance to protect your meal delivery work, we can also help local restaurants protect themselves and their drivers.
To learn how to make sure you’re adequately covered, contact us today. We can evaluate the coverage you have and find affordable alternatives from top insurers. If you ever have to make a claim on policies we offered, we’ll also be there to assist you.