If you do food delivery, you NEED to review and update your insurance


Food delivery, just like ride-sharing, Airbnb, and VRBO, is a very common side hustle nowadays. And for many people, it can be very lucrative.

However, just as with about anything else in your life, you need to make sure you are insured properly.

Between the time your phone lights up with a request and the time you reach your customer’s house, your personal car insurance WILL NOT cover you.

If you are in an accident while doing food delivery, and your insurance company finds out, it can result in either the denial of a claim and/or the cancellation of your policy.

Also, you could have a claim that has nothing to do with delivery, e.g., hail damage. Or you could be in an accident while you are on the way home from your shift with your delivery app turned off. If the adjuster sees, say, a Grubhub bag in your car and starts asking questions, you could be in for a most unpleasant surprise.

What will the extra coverage cost? I don’t know for sure as it will depend on the carrier, your state, and, potentially, several other factors. Hopefully, you will be pleasantly surprised.

Don’t fire up your Doordash, Grubhub, Postmates app or do any other sort of food delivery without reviewing and making the necessary updates on your insurance. 

And make absolutely sure to get it in writing. Obtain updated policy declarations from your carrier before you do another delivery.

Doug Newman


30+ carriers ... 40+ states
Offering life & group benefits in Colorado

epsinsures@gmail.com - www.epsinsures.info


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