At Vargas Agency, we’re proud to assist residents and entrepreneurs throughout Katy, TX in obtaining the exact insurance policies they need. One type of insurance policy we’ve been receiving more inquiries about is commercial insurance, particularly for smaller contractor operations, such as drivers who do delivery work for companies like Uber and Lyft. Here’s what we recommend:
FAQ: Can I Get Commercial Insurance for My Delivery Work?
The short answer is, absolutely! In fact, it’s in your best interest to purchase commercial auto insurance for your personal vehicle, and your insurer may even require it. The liability issue has grown in this industry of delivery gig workers to the point that some significant delivery apps and gig companies provide a limited amount of commercial insurance that applies when workers are directly engaged in work with them.
For example, DoorDash has a commercial excess policy that only covers delivery drivers if they have their order in their possession at the time of a collision. This policy won’t cover delivery drivers on their way to pick up orders or on their way back from delivering an order. This commercial policy also typically only pays out for damages and direct medical costs related to a collision, and not for non-accident-related issues like theft or vandalism.
For coverage for all situations and all times when you are using your vehicle for commercial gain, you want your own commercial auto insurance. A commercial auto insurance policy will cover you no matter which app you are working for, and you can get comprehensive coverage to protect you beyond basic collision coverage.
Contact Our Team at Vargas Agency to Learn More
Don’t let earning money become a way to fall into debt. Ensure you and your vehicle are adequately protected with specialized commercial auto insurance. Contact our team in Katy, TX to learn more.
