Do I need special auto insurance to complete freelance food deliveries?

Food deliveries through apps like Uber Eats and DoorDash offer a nice, effective way to earn a little extra cash on the side. However, before you or someone in your household signs up for food deliveries, you want to make sure that you are properly protected in the event you are in a car accident when or just after delivering food. The following is a look at some important things you’ll want to consider when it comes to Quinlan, TX auto insurance and food deliveries in your vehicle:

Do I Need Special Auto Insurance to Complete Freelance Food Deliveries?

The short answer is yes; if you want to be fully insured by a policy from our team at Slaughter Insurance Agency or another Texas insurance company, you will need to ensure you add the correct endorsement to your vehicle. This is because personal auto insurance policies alone will not cover drivers in the event they are completing a commercial activity, such as food delivery. 

The good news is that you can add a special, inexpensive auto insurance endorsement that will offer coverage for accidents and damages that occur when you are using your vehicle for work. You can also opt to switch to a more comprehensive commercial auto insurance for full protection. Some of the delivery platforms will also provide limited insurance coverage when drivers are actively engaged in delivery work — this means their insurance policy will cover any accidents that occur when customer food is in your vehicle, but you will need your own insurance to cover any accident that occurs when driving to receive food or following drop-off.

Learn More With Slaughter Insurance Agency

For more information about auto insurance and getting the right policy for your Quinlan, TX needs, give our team at Slaughter Insurance Agency a call!