Insurance Requirements For DoorDash
GrubHub And Uber Eats

DoorDash, GrubHub, and Uber Eats are all popular food delivery companies that connect drivers with customers looking for food delivery services. These companies offer their own insurance coverage for their drivers, which is designed to protect them while they are on the job.

DoorDash driver insurance includes liability coverage for accidents that occur while a driver is on the job. This coverage includes up to $1 million in liability coverage for bodily injury and property damage. Additionally, DoorDash provides uninsured motorist coverage for drivers who are in an accident with an uninsured driver.

GrubHub driver insurance includes liability coverage for accidents that occur while a driver is on the job. This coverage includes up to $1 million in liability coverage for bodily injury and property damage. Additionally, GrubHub provides uninsured motorist coverage for drivers who are in an accident with an uninsured driver.

Uber Eats driver insurance includes liability coverage for accidents that occur while a driver is on the job. This coverage includes up to $1 million in liability coverage for bodily injury and property damage. Additionally, Uber Eats provides uninsured motorist coverage for drivers who are in an accident with an uninsured driver.

Overall, these companies offer insurance coverage to protect their drivers while they are on the job, including liability coverage and uninsured motorist coverage. This insurance can help drivers cover the costs of accidents or injuries that occur while they are delivering food to customers.

The average price of a standard business auto insurance policy for DoorDash, GrubHub and Uber Eats delivery drivers ranges from $57 to $199 per month based on location, driving history, type of vehicle, coverages selected and more.

According to DoorDash's website: "You can use any car to deliver. Just have a valid driver's license, insurance, and a clean driving record. While doing business as an independent contractor, you are required to maintain your own insurance, in the amounts and of types required by law which includes, but is not limited to, an auto insurance policy. If you fail to maintain your own insurance, DoorDash's coverage may not apply.

If you fail to maintain your own insurance, DoorDash's coverage may not apply. Damages sustained to your vehicle in an auto accident are your responsibility and should be addressed by your auto insurance carrier directly. DoorDash does provide excess auto insurance for Dashers, but this policy applies only to damages you cause to other parties (i.e. third party property damage and/or bodily injury) and only to accidents while on an active delivery (when you are in possession of goods to be delivered). This excess insurance applies only after you go through your own auto insurance policy first.

DoorDash has a commercial auto insurance policy that covers up to $1,000,000 in bodily injury and/or property damage to third parties arising out of accidents while on an active delivery."

According to GrubHub's website, drivers must:

• be at least 19 years old
• have at least with 2 plus years of driving experience
• have a valid driver's license
• have auto insurance

Strangely enough there is no specific wording on the type and amounts of auto insurance mentioned.

According to Uber Eats website:

The insurance maintained by Uber on behalf of delivery partners operating on the Uber Eats app is outlined below:

• $1 million of commercial auto liability insurance per incident. Uber maintains a commercial auto insurance policy with $1 million of liability coverage per covered incident. A delivery partner's liability to third parties is insured from the moment a driver accepts the delivery request to the time the delivery is complete. In addition, as long as delivery-partners maintain comprehensive and collision coverage on their personal auto insurance, the insurance that Uber maintains will kick in and provide physical damage coverage for that vehicle up to its actual cash value, regardless of who is at fault. There is a $1,000 deductible payment required before this coverage applies.
• $50,000/$100,000/$25,000 of commercial auto liability insurance between deliveries. During the time that an Eats delivery partner is available but between deliveries, many personal auto insurance policies will provide coverage. However, if the delivery partner does not have applicable coverage, Uber maintains a commercial auto policy that insures the delivery partner's liability for bodily injury up to $50,000 for each individual with a total of $100,000 per accident and up to $25,000 for property damage.
• This insurance coverage applies to those Eats delivery partners who have contracted with Portier, LLC (a wholly owned subsidiary of Uber Technologies, Inc.),that provide deliveries made by motor vehicle, and is applicable in all states except New York.

So the insurance coverage Uber Eats provides is while drivers are on active deliveries, but it appears they need another policy while in between deliveries.

Since these companies just state that their delivery drivers need to be insured but they don't state what specific type of insurance their drivers need, a lot of drivers automatically assume that their standard auto policy will cover them. In reality, though, that may not be the case. It depends on what your current auto insurance policy covers and whether or not the company that you are driving for will supplement your personal coverage - if they'll supplement it at all.

In order to determine if you will need to purchase additional coverage, the first thing you need to do is find out what your existing auto insurance covers. Generally, most standard auto insurance policies do not cover claims that are related to the paid delivery of goods - including takeout food. In fact, if you let your carrier know that you are using the vehicle that they cover to deliver food, there's a chance that they'll cancel your policy.

But, even if you don't let them know that you're driving for Uber Eats, DoorDash, or GrubHub, if you get into an accident while you're on the clock and file a claim, there's a real possibility that they will deny your claim and you'll be responsible for the damages.

There are some carriers that do permit their drivers to deliver food, but usually only if they are employed by one particular eatery; not if they're self-employed with a delivery app company, such as GrubHub, Uber Eats, or DoorDash. Drivers who deliver for these companies are considered "public/livery conveyance" workers, and that type of work usually isn't covered by a standard personal auto insurance policy.

How do you know if you meet the insurance requirements for DoorDash, GrubHub and Uber Eats? Contact your personal auto insurance carrier to find out the specifics of your coverage. You should also contact the company you're driving for so that you can find out whether or not they offer coverage, and if so, what it entails.

If you aren't fully covered, you may need to invest in a commercial auto insurance policy. Speak to a reputable insurance broker who specializes in commercial auto insurance to ensure that you get the coverage you need so you can be protected when you're making deliveries.

DoorDash, GrubHub, and Uber Eats drivers are independent contractors who are responsible for their own vehicles and personal safety. They are constantly on the road delivering food to customers, which increases their risk of accidents and other incidents. Without insurance, they would be financially liable for any damages or injuries they may cause while on the job.

Additionally, these drivers are also at risk of personal injury while on the job, such as car accidents, slip and falls, and even potential assaults. Without insurance, they would have to pay for any medical expenses out of pocket.

Furthermore, it is also mandatory for drivers to have insurance as per the laws and regulations of the state they operate in, so getting insurance is a legal requirement. Therefore, it is essential for DoorDash, GrubHub, and Uber Eats drivers to have insurance coverage to protect themselves and their assets in case of any unfortunate incidents.

DoorDash, GrubHub, and Uber Eats drivers may be sued for a variety of reasons, including accidents, injuries to passengers or other drivers, property damage, and violations of traffic laws.

In general, these drivers are considered independent contractors and are responsible for their own insurance coverage. However, DoorDash, GrubHub, and Uber Eats do offer insurance coverage for their drivers in certain circumstances.

Here are some examples of lawsuits that DoorDash, GrubHub, and Uber Eats drivers may face and how insurance can help pay for the lawsuit:

Accidents: If a DoorDash, GrubHub, or Uber Eats driver causes an accident while delivering food, they may be sued by other drivers or passengers. The driver's personal auto insurance may cover some of the damages, but it may not be enough to cover all of the costs. In this case, the company's commercial auto insurance may provide additional coverage. For example, Uber Eats provides liability insurance coverage of up to $1 million per accident for its drivers.

Property damage: If a DoorDash, GrubHub, or Uber Eats driver causes damage to someone else's property while making a delivery, they may be sued for the cost of repairs. Again, the driver's personal auto insurance may provide some coverage, but the company's commercial auto insurance may also provide additional coverage. For example, DoorDash provides property damage coverage of up to $1 million for its drivers.

Injuries to passengers: If a DoorDash, GrubHub, or Uber Eats driver causes an accident that injures a passenger, they may be sued for medical expenses and other damages. The driver's personal auto insurance may cover some of the costs, but the company's commercial auto insurance may also provide additional coverage. For example, GrubHub provides bodily injury coverage of up to $1 million for its drivers.

Traffic violations: If a DoorDash, GrubHub, or Uber Eats driver receives a traffic citation while making a delivery, they may be sued for violating traffic laws. The driver's personal auto insurance may not cover this type of lawsuit, but the company's commercial auto insurance may provide coverage. For example, DoorDash provides coverage for traffic violations up to $1 million for its drivers.

In summary, DoorDash, GrubHub, and Uber Eats drivers can face lawsuits for a variety of reasons, and insurance can help protect them by providing additional coverage beyond their personal auto insurance. It's important for drivers to understand their insurance coverage and the situations in which they may need to rely on the company's insurance.