Does Grubhub require proof of insurance? (What to know!)
If you want to work as a food delivery driver for Grubhub, you may need a different car insurance because your car insurance only covers your car for personal use, not business use. When driving for Grubhub and causing an accident, you may be liable for damage as the company does not have any insurance, which is where unique auto insurance comes in.
This article will answer the question, ‘Does Grubhub require proof of insurance? “Can you serve food without insurance and other safety procedures?” Read on to learn more.
Does Grubhub require proof of insurance?
Yes, you may need to provide proof of insurance to Grubhub officials before working for them. Grubhub may ask for a copy of your business insurance policy to ensure you meet your state’s insurance requirements.
Grubhub may contact your insurance company to confirm your coverage. If you are unable to provide a copy of your policy, Grubhub may think that you may not legally be able to drive and deny your offer.
To make it easier for you to get coverage accepted by Grubhub, our researchers surveyed the best auto insurance providers and evaluated coverage accepted by Grubhub. Here are some of the best insurance policies for Grubhub drivers.
- Commercial use coverage: This is optional coverage for an individual policy. It protects your car when it is only used for business. As a Grubhub driver, you can add business use insurance to cover your vehicle during delivery.
- Business Policy: Commercial auto insurance plans cover businesses and their vehicles. Grubhub drivers’ commercial policies are exaggerated, but this may be the best option for you, depending on your situation.
However, most insurance companies allow you to add a few dollars a month to your business use coverage.
Can you serve food without insurance?
No, Grubhub will not hire you without insurance, so you cannot provide food without insurance.
But think about it. Do you want to risk delivering food without a food delivery insurance endorsement or commercial auto policy?
This can be risky as drivers who deliver food without insurance for commercial or commercial purposes may be considered uninsured.
For example, provincial health insurance will cover emergency care in the event of a collision. However, drivers are responsible for the cost of rehabilitation and long-term care.
You can also make sure that your auto insurance policy includes adequate coverage for these items and liability protections, as settlements for at-fault drivers can cost more than about $200,000.
Also, keep in mind that if your insurance company finds out that your vehicle usage has changed without you notifying them, they may cancel your policy.
Grubhub Insurance Requirements
Grubhub requires “auto insurance”. However, GrubHub does not have an official minimum level of coverage and may not require specific levels of coverage. Your car insurance company will.
Before insuring your car, it’s important to understand that Grubhub does not offer any auto insurance for its drivers, so you can choose adequate coverage for you and your vehicle.
Does Grubhub offer health insurance?
GrubHub partners with Stride to make it easier for drivers to find affordable health insurance. To be eligible for health insurance, you must meet the following criteria:
- Production lead time of at least 15 hours per week
- Proof of current enrollment in an eligible health program submitted within 15 days of the calendar.
- Have a qualified health insurance plan. A qualified health care plan is an insurance plan in which you are a subscriber, not a Medicare or employer-sponsored plan.
Tier 1 – Drivers with at least 15 but less than 25 hours of active delivery time per week.
Level 2 – Drivers with an average weekly active delivery time of 25 hours or more for the entire week
Once you meet these requirements, you will be eligible for one of two coverages, depending on your overall estimated delivery time. You can find the exact numbers you need in the Grubhub for Drivers app.
Does DoorDash require proof of insurance?
Yes, DoorDash requires you to purchase insurance before working for them. DoorDash also offers commercial auto insurance policies that can cover you up to $1,000,000 in the event of an accident or property damage while active delivery.
Active delivery means that DoorDash only covers you when you make a delivery, not when you personally drive.
Want to learn more about Grubhub? Check out our related posts to find out when GrubHub will stop delivering, if GrubHub will increase prices, and how to use cash value on GrubHub.
As a Grubhub driver, you may need commercial auto insurance because your auto insurance policy doesn’t cover you.
If you are in an accident while driving for Grubhub and do not have commercial insurance, you may be forced to pay damages out of pocket.
Ask your insurance provider about commercial vehicle insurance or business use insurance.
In most cases, you can supplement your policy with basic business insurance for a small fee.
Alternatively, find the cheapest Grubhub auto insurance and compare it to an online commercial auto insurance policy to see which is best for you.