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The food delivery market is booming and is expected to rise even more. A lot of people benefit from food delivery gigs despite its risks. After all the restaurant or cafe might not help cover costs if a risk occurs.
Courier delivery insurance offers specialized insurance for delivery drivers. In addition,this article features all you need to know about this cheap food delivery insurance.Its cost, policies and the various companies offering it.
Food delivery insurance is a specialized policy for food delivery drivers. It is available as a short-term policy. Customers can opt to get insured for hours, days, or months if they don’t want to have coverage that lasts for a year.
There are a lot of risks that food delivery insurance shields the policyholder from. The functions of a food delivery insurance are:
Food delivery insurance cost is $40 per month or $480 a year for a $1 million general liability coverage. It is important to note that several factors influence the cost of food delivery insurance.
For instance, the cost may be affected by your location. Some states have laws regulating the minimum amount of insurance that food delivery businesses should have. Those living in states that require more must expect pricier premiums.
Given that food delivery involves vehicles, your driving record also plays a vital role in determining prices for business insurance for food delivery. Food delivery insurance policies come with varying coverage limits and deductibles, which affect the cost of your insurance package.
The price of a car insurance delivery driver is approximately $62.5 per month or $750 per year. However, food delivery car insurance cost is determined by a variety of factors.
Here is a summary of how much top insurance companies charge monthly and annually to give you an accurate estimate of the cost of hot food delivery insurance.
| Company | Monthly | Yearly |
| State Farm Insurance | $80 | $900 |
| Axa Insurance | $58 | $600 |
| Geico | $36 | $432 |
These two are the most common food delivery insurance coverage:
Food delivery liability coverage in food delivery insurance offers protection from lawsuits compelling the policyholder to be responsible for any personal injuries or property damages of the concerned party. The most common liability coverages food delivery men get are:
Products and completed operations become useful if a customer accuses a food delivery man of eating their food. Accusations of tampering with a customer’s food is common and 1 in 4 delivery men have admitted that they’ve done this.
Products and completed operations helps by providing the money the policyholder needs to compensate the aggrieved person’s damages. Usually, accusations of food tampering cost food delivery men $1,442 and hot food delivery insurance can help to pay this amount.
Get all the best quotes from leading providers in a click of a button!
As the name implies, commercial car insurance for food delivery drivers protects the car used for bringing food to customers.
Food delivery commercial car insurance has the following functions:
This policy in business insurance for food delivery is important as food delivery accidents are very common.
Research from the Workers Justice Project provides evidence of this. Accordingly, 245 out of 500 food delivery men crashed on the road or experienced other accidents while on their way to a customer.
Also, if someone else gets injured as a result, most delivery men need to pay $2,462 as compensation for personal injuries and other damages.
No, food delivery driver insurance only offers liability and commercial auto coverages in most cases.
Food delivery drivers who want to get protection from work-related injuries can opt to get stand-alone workers compensation insurance.
Doing so is a smart choice because food delivery companies like UberEats, Postmates, and Doordash treat their delivery drivers as independent contractors and don’t provide coverage using their worker’s compensation policies.
It offers a wide range of policies that protect food delivery drivers from various liabilities.
Furthermore, State Farm offers tailored food delivery auto insurance that suits the needs of delivery drivers from UberEats, Doordash, Grubhub, Seamless, and more.
Monthly Average cost: $60
AXA XL’s food delivery insurance fits the needs of food delivery drivers working for restaurants, caterings, pizza shops , and other similar businesses.
The company offers a $500,000 minimum policy limit on its insurance for food delivery drivers.It includes property damage, auto liability and third-party bodily injury coverages. Customers can also get AXA XL’s food delivery insurance from its partner, Marsh.
Monthly Average cost: $58
It offers cheap food delivery insurance by providing customers with numerous discount options. Geico insurance for food delivery drivers can be endorsed to personal insurance policies without causing any significant increase in rates.
Monthly Average cost: $55
Ratings:8/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
