Is There an Insurance Company That Covers Pizza-Delivery Drivers?

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Check with your car insurance company to see if pizza delivery is included in your policy.
Check with your car insurance company to see if pizza delivery is included in your policy. (Image: Creatas/Creatas/Getty Images)

Pizza delivery is not covered in most personal auto insurance policies. If you plan on getting a job delivering pizza using your own vehicle, you will need to find a carrier who offers Hired and Non-Owned Auto Coverage in a commercial auto policy. It is important to make sure you are covered in the case of an accident. Some pizza companies have their own insured vehicles that delivery drivers use.

Progressive

Progressive offers pizza delivery vehicle insurance. Its policy can be customized to reflect on-season and off-season usage of your vehicle, including times when you will not be delivering pizza. There are certain discounts offered that may apply to you. Progressive provides flexible payment options including an online bill pay service. Progressive is one of the largest commercial vehicle insurance carriers in the nation. The company has an A+ rating from A.M. Best, a company that provides credit ratings and financial information for companies within the insurance industry. Progressive operates a customer service hotline 24 hours a day, seven days a week.

Sunderland Insurance

Sunderland Insurance Services, Inc., is a surplus-lines broker licensed in California but offering coverage in all states but Connecticut, Delaware, Iowa and Oklahoma. Its Hired & Non-Owned Auto policy specializes in hard-to-place risks that other companies exclude, including pizza delivery drivers. The coverage excludes a guaranteed-time delivery. The coverage limits are $100,000 to $5 million, as of June 2011. Sunderland Insurance uses only A.M. Best “A” Rated national insurance carriers.

International Property & Casualty Insurance Brokers of NV, Inc. (IPC)

IPC has a Hired & Non-Owned Auto Coverage available for pizza delivery drivers. It offers lower minimum premiums and deductibles. The policy limits are from $100,000 to $1 million, as of June 2011. IPC provides coverage in all states except New Hampshire. Coverage is in excess of the delivery driver's personal auto policy. Premiums start at $2,700. The company was founded in 1996 and is an A.M. Best A+ rated carrier.

Crump Property & Casualty

Crump Insurance is the nation's largest insurance wholesaler, offering nationwide coverage with the exception of Alaska. The company has 27 office locations in the United States and Bermuda. The Hired & Non-Owned Auto Coverage policy offers a low minimum premium starting at $1,250, as of June 2011. The minimum deductible is $2,500, but may be waived if there is valid and collectible owned-auto coverage in place.

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