Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: May 17, 2021

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Important facts to know...

  • Delivery drivers have the 5th most dangerous job in the U .S.
  • The need for insurance for both auto and personal liability are great for delivery drivers
  • Several companies can offer protection for this dangerous job
  • Make sure you get business insurance and workers’ compensation in addition to car insurance

Are you a delivery driver or do you know a delivery driver that is in need of auto insurance?

Delivery drivers have special needs when it comes to insurance. They drive their car much more than the average person to a variety of locations, creating a higher risk for them.

Delivery drivers often use their car to make the deliveries because most companies that use delivery drivers do not usually provide cars for the deliveries. Even in cases when they do, you have a liability for any damage done to the company car as well.

If you drive a company car (as many flower delivery drivers do, for example), you should inquire with your business supervisor or boss as to whether the vehicle is insured.

As long as you are driving the company car, you may be covered. However, this coverage may be limited to the state minimums, and you may want to consider adding some optional coverages if you feel it is not enough.

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What kinds of companies do deliveries?

Many different companies do deliveries.

Some are pizza delivery companies. Others are flower delivery companies or furniture delivery companies.

Whatever the type of company, it is important that you are covered with adequate car insurance if you do regular deliveries.

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Risks to Delivery Companies

Companies that require these deliveries take risks too. They put their employees in harm’s way when they are out for deliveries.

All sorts of dangers await delivery drivers such as:

  • Car accidents with other drivers or pedestrians – One of the risks inherent with delivery drivers involve car accidents. Accidents can happen anywhere, but delivery drivers are more at risk due to having to travel to so many different areas where there are varying levels of traffic and danger.
  • Dog attacks – Many people own dogs and many dogs are suspicious of strange people. They are trained to avoid strangers and dogs seem to feel that it is their primary duty to protect their owners.
  • Personal robbery of personal property – Another danger to delivery people is the threat of theft of their personal money or property. If they carry a wallet with them, someone may try to accost them and steal their money or credit cards. Some people even use armed robbery to obtain the wallet of delivery drivers.
  • Assault risk – In addition to the other hazards, there is an increased risk of assault. The risk increases when drivers have to deliver in a high-crime area or at odd hours at night.
  • Auto theft – Auto theft is also a common problem with delivery drivers, especially since many delivery drivers leave their cars running while they deliver the food or flowers to the recipient.

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Statistics on Delivery Driver Dangers

Driving a delivery truck or vehicle for a company is one of the most dangerous jobs in the United States, according to the U.S. Bureau of Labor Statistics.

Further research echoed the same thing and reported that in the year, 2014 alone, 20 pizza delivery people were shot during delivery pizzas.

There were 38 deaths reported per 100,000 workers this past year for any delivery job and 29 deaths per 100,000 due to assaults and robberies.

The Need for Insurance

When you look at these shocking statistics on delivery drivers, it’s easy to see why there is such a need for having adequate insurance coverage.

You should also note that the law does not allow you to be insured like any other personal vehicle owner if you are doing business with your car.

So make sure and ask your insurance agent when you shop how to make sure you have coverage for the time when you are making deliveries. Then ask how to protect yourself from personal liabilities.

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Look for Three Types of Coverage

If you are a delivery driver, hats off to you for taking this risk to serve people in your area. People often do not realize just how dangerous the job is or what you might encounter on a daily basis.

When looking for insurance, you should focus on the following types of coverage:

  • Auto Insurance – When shopping for car insurance, you should tell the agent that you are using your personal vehicle for business purposes. Some insurance companies will not cover you in these circumstances, so you will need to do some comparison shopping to find the ones who will.
  • Business Owners’ Insurance – When you drive a car for another company, you are considered an independent business owner. You are using your car to make money. The same rule applies to Uber or other independent taxi drivers as well.
  • Workers’ Compensation – Workers’ compensation insurance covers the driver for any work-related injury or illness. If you are injured in the line of duty as a delivery driver, you may be able to claim time off from work and medical help for your injuries.

How to Find the Best Car Insurance

In addition to the liability insurance for your business risks as a driver, you also need to think about the types of auto insurance you need.

You are still considered a regular driver on the road, in addition to being a business owner who is using your vehicle. You will need the major types of insurance coverage that are required by your state as well.

These usually include:

  • Bodily injury liability – Bodily injury liability (total and per person) is required in every state except New Hampshire and Virginia. Know the laws in your state of residence and carry your required paperwork (proof of insurance) in your vehicle at all times.
  • Property damage liability – You are liable for any property damage that is inflicted on another driver if you are ruled “at fault.” If you are in a “no-fault” state, you will be required to have your insurance pay no matter what. So make sure you have enough coverage regarding property damage liability.
  • Uninsured/underinsured – Some states require this form of coverage, but it is usually an optional coverage. It allows you to have the damages or injuries covered in the event the other drivers was not properly insured at the time of the accident.
  • Medical coverage – Medical coverage includes any medical expenses that you might incur due to an accident. Carrying this extra coverage might be worth it since delivery drivers are prone to more frequent risk than others.
  • Other optional coverages – There are other coverage types you may want to consider such as roadside assistance which gives you help if you were ever stranded on the side of the road. Look into these additional coverages and see what is best for your situation.

When choosing auto insurance, you always want to weigh the level of risk with the cost of the insurance.

Since delivery drivers have more personal and property risk due to the details of their job, you may want to consider increasing the amount of insurance you would normally have to cover these uncertainties.

This article by Investopedia explains that delivery driving may fall under the “commercial auto insurance” policy regulations.

Shop and compare between companies and policies to see where you can get the best deal and know your rights.

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References:

  1. http://www.carinsurancecomparison.com/car-insurance-mileage/
  2. https://www.bls.gov/
  3. https://munchies.vice.com/en/articles/delivering-pizza-is-one-of-the-most-dangerous-jobs-in-america
  4. https://www.murphyprachthauser.com/blog/insurance-issues-if-you-are-a-delivery-driver-using-your-personal-vehicle
  5. http://www.tdi.texas.gov/pubs/videoresource/stpsmtaxi.pdf
  6. http://www.investopedia.com/exam-guide/cfp/analysis-of-risk-exposure/cfp4.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186