Do You Deliver for Work? Here’s What You Need to Know About Auto Insurance

If you’re driving your personal vehicle to make deliveries—whether it’s groceries, takeout, or online orders—you may be cruising around with a dangerous gap in your auto insurance coverage.

Most personal auto insurance policies exclude coverage when you’re using your car for commercial purposes. That means if you get into an accident while delivering a pizza or dropping off an Amazon package, your claim could be denied. Ouch.

At Dowd Insurance Agency, we want our Central Texas drivers to stay protected while earning on the road. Here’s what you need to know about delivery driver insurance.

🚗 Why Personal Auto Insurance May Not Be Enough

A typical personal auto policy is designed for everyday driving—commuting, running errands, or weekend road trips. But once you start using your car to transport goods or people for profit, it’s considered a commercial activity.

If you’re in an accident during a delivery and your insurer finds out you were “on the job,” they may:

• Deny your claim
• Cancel your policy
• Refuse to renew your coverage

And yes, that includes popular apps like DoorDash, Grubhub, Instacart, Amazon Flex, and even local courier gigs.

🔄 What Are Your Options?

1. Rideshare or Delivery Endorsements
   Some insurers offer add-on coverage (called an endorsement) for delivery drivers. This extends your personal policy to include certain types of commercial use, usually at a lower cost than a full commercial policy.
2. Commercial Auto Insurance
   If delivery is a full-time gig or you’re driving long distances regularly, a commercial auto policy might be the best fit. It’s designed specifically for business use and typically offers broader protection.
3. Company-Provided Coverage
   Some platforms (like DoorDash or Uber Eats) may offer limited liability insurance, but it usually only applies when you’re actively delivering. You’re still responsible for your own coverage when you’re waiting for an order or driving between gigs.

💡 Pro Tip: Don’t Guess—Ask an Expert

Your auto insurance should match how you use your vehicle. If you’re using your car for deliveries—even just part-time—it’s time to have a chat with your insurance agent.

At Dowd Insurance Agency, we’ll review your current policy, explain any exclusions, and help you get the right protection—without overpaying.

Need help sorting out your delivery driver coverage?
Contact us today—we’re here for our neighbors across Leander, Austin and all of Central Texas.

🚙 Stay protected. Drive smart. Deliver with confidence.