Stay Protected Behind the Wheel With Food Delivery Driver Insurance
From bad weather to inexperienced drivers, delivering food comes with risks. That’s why food delivery driver insurance is essential for your restaurant.
Is There Insurance for Food Delivery Drivers?
Restaurants with food delivery drivers can get various types of business insurance to protect their business, drivers, and staff. As a business owner who runs a restaurant, you know offering food delivery services helps with sales, but it comes with added risks. That’s why it’s important to make sure you get the right insurance coverages.
Some coverage options you may want to include in your risk management plan include:
- Commercial auto insurance
- Non-owned and hired auto insurance
- General liability insurance
Who Needs Food Delivery Driver Insurance?
Delivery insurance can benefit many types of businesses, such as:
- Restaurant delivery drivers
- Takeout restaurants
- Ghost kitchens
What Should I Have for Food Delivery Driver Insurance?
Most restaurants and food service options start with a Business Owner’s Policy (BOP) for their insurance needs. It combines three essential types of coverage:
- General liability insurance helps protect you from claims that your delivery business caused bodily injury or property damage to others.
- Commercial property insurance helps protect the owned or rented building, tools, equipment, and inventory you use for your delivery services.
- Business income insurance can replace your lost income if you can’t operate your delivery business because of covered property loss.
How Much Is Insurance for Food Delivery Businesses?
On average, our customers paid $1,019 a year or about $85 a month for a BOP. Remember, insurance costs for food delivery businesses vary. The best way to find out your insurance costs is to get a quote.
Protecting Your Food Delivery Company Property
While your food delivery business’ vehicles are essential to your company, it’s important to protect other types of property. From food to inventory, delivery insurance can help reduce your risk of loss.
Kitchen Fire
Commercial property insurance can help repair or replace damaged equipment, tools, and inventory you use to operate your delivery business.
Spoilage
We offer Perishable Foods in Transit coverage to help replace ruined items.
Covering Your Food Delivery Operations
Your restaurant business faces enough risks at your location. When drivers leave to deliver orders, they face even more. That’s why having the right type of delivery insurance can help keep you protected.
Customer Injury
General liability insurance can help cover claims that your business caused a bodily injury to someone else. It can help pay for their medical treatments and legal costs if they sue your business.
Food Contamination
If a government authority finds that your restaurant caused food poisoning to at least one person due to food contamination and you must shut down your business temporarily, Business Income for Food Contamination coverage can help recover lost income.
Protecting Your Food Delivery Team
Your food delivery employees have a role in your business’ success. If they get hurt or sick from their job, they can miss work. Food delivery insurance can help them recover and return to work faster.
Employee Injury
Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness.
Customer Lawsuit
An Umbrella Coverage Policy can help cover claims like customer lawsuits that are greater than your General Liability Insurance Policy limits.
Food Delivery Insurance Made Just for You
Not all insurance companies are the same. We’re an insurance company that’s backed by more than 200 years of experience. That means we understand the unique risks that your restaurant faces with delivery services. Our team can help you get the right type of coverage, so you can focus on what’s most important to you.
