Home and Auto Insurance in Florida

Insurance for Ride Share and Food Delivery Drivers

As the opportunity of earning extra money through the various Ride Sharing services has expanded, there is a potential gap that many drivers may not realize, and it can really become a problem without the proper handling on your personal Auto Insurance.

Ride Share Insurance

Although Uber and Lyft provide some level of liability coverage, that coverage often begins at the time of the rider (not on the way to pick them up). The problem is that when a driver is available for hire (“the app is on”), if a claim occurs, the claim could easily be denied because they were actually conducting livery (drive for hire) without proper coverage.

The good news is that many of the major insurance companies have added optional Ride Sharing endorsements to help ensure you don’t have an issue and get left on your own. The key here is to tell your insurance agent or company that you are a RideShare driver so they can add that endorsement to your insurance policy (or find a company that allows the endorsement). The extra good news is that these endorsements don’t usually cost an arm-and-a-leg, so it’s more about clarifying any potential usage than just hoping things work out well.

What about Food Delivery?

Now, in terms of Food Delivery, this is an entirely different scenario. Many personal Auto Insurance policies have a specific exclusion for food or product delivery activity. Whether you are delivery food for the restaurant itself, 3rd party delivery services (such as DoorDash, UberEats, GrubHub, etc.), there is a good chance you are not covered if you have a claim while performing delivery services.

The key with both of these growing areas is to have an open and honest discussion with your insurance agent or company to ensure that if/when a claim occurs, you’re not going to be left with nothing because you didn’t disclose the activity.

We’re happy to talk through these with you to make sure you have the right coverage for your specific situation.

Joel Meek

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