Food Delivery Driver Insurance

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.

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. Coverage can include:

Kitchen Fire
Spoilage

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. Coverage can include:

Customer Injury
Food Contamination

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. Coverage can include: