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Do I need commercial insurance to work for Uber Eats?

I’m thinking about driving for Uber Eats on the weekends to make some extra money, but I’m worried about the car insurance. Do I need to buy a commercial insurance policy to work for Uber Eats?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You will likely need to buy
commercial insurance
to work for Uber Eats, although some personal auto insurance companies offer
rideshare coverage
endorsements.
Here’s what you need to know about
car insurance
coverage when driving for a company like Uber Eats:
  • Personal insurance policy: Most standard personal insurance policies do not cover commercial uses—like a delivery job. This means your claims for
    incidents that occur while driving for Uber Eats
    could be denied if you tried to rely on your personal car insurance alone.
  • Uber Eats commercial insurance: Uber Eats extends up to $1 million in
    liability coverage
    to drivers while they’re in the process of delivering food. This coverage goes down to only $100,000 for
    bodily injury
    and $25,000 for
    property damage
    when you’re between deliveries.
  • Rideshare insurance: Many insurance companies offer rideshare endorsements that you can add to your personal policy. This is essential to make sure that you’re covered during the downtime between deliveries when there are significant gaps in Uber’s commercial policy.
  • Commercial insurance: If your current provider doesn’t offer rideshare coverage, then you must purchase a separate commercial policy to cover your vehicle for business purposes.
A separate commercial policy will typically cost more than adding a rideshare endorsement to your personal policy. Rideshare coverage typically
increases premiums
by 15% to 20%.
Keep in mind: No matter what, you’ll need to tell your car insurance company that you plan on driving for a rideshare company. Some providers won’t offer coverage to rideshare drivers—and you don’t want to find out after an accident that your car insurance won’t cover you.
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