Do I need commercial insurance to work for Uber Eats?

For some extra money, I started driving for Uber Eats on the weekend. During one of my deliveries, I got into an accident. Now my insurance company doesn't want to cover me because I didn't have commercial insurance. Do I need commercial insurance to work for Uber Eats?

Answer provided by
Eric Schad
Answered on Apr 16, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Uber Eats provides insurance automatically when you sign the contract. When you’re in the process of delivering food, Uber has insurance that protects you up to $1 million for liability coverage.
However, there are some loopholes. Uber Eats between-delivery coverage only covers up to $100,000 for bodily injury and $25,000 for property damage. If you’re in a catastrophic accident, this may not be enough coverage and you’ll be left footing the bill.
Some insurers won’t cover you under a personal policy if you’re driving for business purposes. As a result, you should consider purchasing commercial coverage, and this is easier than ever to do. Many insurers now have commercial car insurance for delivery drivers, including GEICO and Progressive.”

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