Many Americans enjoy the convenience of having food brought to their doorstep. Restaurants of all sizes have found it profitable to increase their delivery options, especially amid the COVID-19 pandemic as many people avoid public gatherings. This means there are increasing opportunities to become a delivery driver. However, whether it’s a primary job or a side gig, employees need the right kind of auto insurance to prevent financial risks. The following guide explains how to ensure proper protection during deliveries.

Should Delivery Drivers Get Commercial Auto Insurance? 

Standard auto insurance policies cover motorists who are operating a vehicle for personal use. If you’re driving for business purposes, such as delivering food, coverage is generally excluded. That means if you are involved in an accident while working, you will be held responsible for paying the damages out of pocket. 

Fortunately, there are options that allow delivery drivers to stay protected on the road. Although some business owners may offer basic coverage, it’s ideal to invest in your own commercial auto policy. Often, an employer’s policy will only be active while there’s food in the car, leaving a gap in coverage when driving in between deliveries. Purchasing a commercial policy will provide liability coverage for third-party injuries and property damage and pay for vehicle repairs. 

What Can Business Owners Do to Ensure Drivers Are Covered?

If you own a food establishment that uses delivery drivers, you could be found liable if they were to cause an accident without being properly insured. So it’s essential to ensure your commercial insurance policy includes coverage for this aspect of your business. 

If you have company vehicles, you’ll need commercial auto insurance to cover third-party claims and the cost of repairs. If your employees drive their own vehicles to make occasional deliveries, you may obtain nonowner auto insurance. This type of policy will protect you from liability up to the limits selected. 

If you require auto insurance for food delivery, turn to Kleppinger Insurance, LLC. Based in Bethlehem, PA, this independent agency works with drivers and business owners throughout Pennsylvania, New Jersey, and Maryland to help ensure sufficient protection against financial loss. They offer a wide range of coverage solutions and will assist you in customizing a policy to suit your needs. Call (484) 357-1485 to schedule a phone consultation, or visit them online for more information about their products and services.