Do You Need Insurance to Do DoorDash? Explained

Do You Need Insurance to Do DoorDash
Written by infotelly

Many people are turning to food delivery services like DoorDash as a way to earn extra income. However, there is often confusion about whether or not drivers are required to have insurance in order to work for the company. The short answer is yes, DoorDash requires all of its drivers to have valid auto insurance.

This requirement is in place to protect both the driver and the company in case of an accident. Without insurance, a driver could be held personally liable for any damages or injuries that occur while on the job. Additionally, DoorDash could face legal repercussions for allowing an uninsured driver to operate on its platform. Therefore, it is essential for all DoorDash drivers to have adequate insurance coverage before accepting any delivery requests.

Doordash and Its Functionality

DoorDash is a food delivery platform that links patrons with local eateries and autonomous drivers who deliver food to their residences. The enterprise was established in 2013 and has since extended to more than 4,000 cities across the United States, Canada, and Australia.

DoorDash’s functionality is simple and straightforward. Customers can use the DoorDash app or website to browse menus from local restaurants and place orders for delivery. Once an order is placed, DoorDash assigns a nearby driver to pick up the food and deliver it to the customer.

For drivers, DoorDash offers a flexible and convenient way to earn money. Drivers can sign up to deliver with DoorDash and choose their own hours, making it easy to work around other commitments. When a driver receives an order, they have the option to accept or decline it based on their availability.

DoorDash also offers a variety of features to enhance the customer and driver experience. For example, customers can track their delivery in real-time and receive notifications when their driver is approaching. Drivers can also communicate with customers through the app to provide updates on their delivery or ask for additional information.

Understanding Insurance Requirement

To work as a DoorDash driver, you need to have insurance coverage that meets the company’s requirements. This is to ensure that you are protected in case of any accidents or incidents that may occur while you are on the job.

There are two types of insurance coverage that are required for DoorDash drivers: liability insurance and commercial auto insurance. Liability insurance caters to any damages or injuries that you may cause to other individuals or their property while driving for DoorDash. Commercial auto insurance covers any damages to your vehicle while you are on the job.

It is essential to acknowledge that your personal auto insurance policy may not furnish sufficient coverage while you are employed by DoorDash. This is because personal auto insurance policies typically exclude coverage for commercial use of your vehicle. It is therefore essential to have the right insurance coverage in place before you start working for DoorDash.

DoorDash provides insurance coverage for its drivers, but this coverage only applies while you are on an active delivery. It does not cover you while you are waiting for a delivery or driving to pick up an order. It is therefore important to have your own insurance coverage that will protect you during these times.

Types of Insurance for Doordash

Doordash drivers are independent contractors, which means they are responsible for their own insurance coverage. There are several types of insurance that Doordash drivers should consider to protect themselves and their vehicles while on the job.

Auto Insurance

Auto insurance is a must-have for all drivers, including those who work for Doordash. Drivers should make sure they have adequate coverage for liability, collision, and comprehensive damages. Liability insurance covers damages to other people’s property or injuries they sustain in an accident that is your fault.

Commercial Auto Insurance

Doordash drivers should also consider commercial auto insurance. This type of insurance provides coverage for accidents that occur while driving for work purposes. It may also cover damages to the vehicle that occur while it is parked or being used for work-related activities.

Personal Injury Protection

Doordash drivers should also contemplate Personal Injury Protection (PIP) insurance. PIP offers coverage for medical costs and lost earnings if you are injured in an accident. It might also encompass other expenses, such as childcare or housekeeping services.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist coverage grants protection if you encounter an accident with a driver who does not possess insurance or does not have adequate insurance to cover the damages. This insurance type can aid in covering medical costs, lost earnings, and other damages.

Consequences of No Insurance While Doing Doordash

If a Doordash driver lacks insurance, they are susceptible to severe consequences in the event of an accident. In the absence of insurance, the driver will be accountable for any damages or injuries that they cause while working for Doordash. This can lead to substantial financial losses and legal predicaments.

One major consequence of not having insurance while working for Doordash is that the driver may be personally liable for any damages or injuries they cause while on the job.This implies that if the driver triggers an accident that causes property damage or bodily injury, they will be liable for paying for those damages from their own funds. Depending on the severity of the accident, these costs can be substantial and may even bankrupt the driver.

Another consequence of not having insurance while driving for Doordash is that the driver may face legal action. If the driver causes an accident and is found to be at fault, they may be sued by the other party involved in the accident. This can result in significant legal fees and court costs, as well as potentially large settlements or judgments against the driver.

In addition to the financial and legal consequences of not having insurance while working for Doordash, the driver may also face consequences from the company itself.

All Doordash drivers are obligated to possess valid insurance, and non-compliance with this obligation can lead to the driver’s deactivation from the platform. This can result in a loss of income for the driver and may make it difficult for them to find work in the future.

How to Obtain Suitable Insurance

Obtaining suitable insurance is an important step for any DoorDash driver. While DoorDash provides some insurance coverage for their drivers, it is important to have additional coverage to protect yourself and your vehicle. Here are some steps to help you obtain suitable insurance:

  1. Research insurance providers: It is important to research insurance providers to find one that offers coverage for food delivery drivers. Some insurance companies offer specific coverage for food delivery drivers, while others may not. Look for insurance providers that offer comprehensive coverage at an affordable price.
  2. Compare quotes: Once you have a list of potential insurance providers, compare their quotes to find the best coverage at the best price. Make sure to compare the coverage each provider offers, as well as the price.
  3. Select the appropriate coverage: While selecting insurance coverage, ensure that you choose the coverage that suits your requirements. Take into account the worth of your vehicle, your driving history, and the amount of coverage you require to feel secure.
  4. Purchase insurance: Once you have chosen the right insurance provider and coverage, purchase the insurance policy. Make sure to keep all documentation related to your insurance policy in a safe place.

By following these steps, DoorDash drivers can obtain suitable insurance coverage to protect themselves and their vehicles while on the job.

Cost Implications of Insurance for Doordash

Insurance is an important consideration for any Doordash driver, as it can help protect them from financial loss in the event of an accident or other incident. However, insurance can also be costly, and drivers need to carefully consider the cost implications of insurance before deciding whether or not to purchase coverage.

There are a few different types of insurance that Doordash drivers may need to consider:

  • Personal auto insurance: All drivers are required to have personal auto insurance, which covers them when they are driving their vehicle for personal use. However, this insurance may not cover drivers when they are using their vehicle for commercial purposes, such as delivering food for Doordash. Drivers should check with their insurance provider to confirm whether or not their policy covers commercial use.
  • Doordash insurance: Doordash provides liability insurance to its drivers, which covers them if they are involved in an accident while on an active delivery. This insurance provides up to $1 million in liability coverage per incident, but it does not cover damage to the driver’s vehicle or injuries to the driver.
  • Commercial auto insurance: Drivers who use their vehicle for commercial purposes may need to purchase commercial auto insurance, which provides coverage for damage to the vehicle and injuries to the driver.

FAQs About Doordash and Insurance

When it comes to working for Doordash, one question that often comes up is whether or not drivers need to have insurance. Here are some frequently asked questions about Doordash and insurance:

Do I need to have insurance to work for Doordash?

Yes, in order to work for Doordash, you are required to have your own personal auto insurance policy that meets the minimum requirements for your state. Doordash also provides additional insurance coverage while you are on an active delivery, but this coverage is secondary to your own personal insurance policy.

What kind of insurance coverage does Doordash provide?

Doordash provides excess auto liability insurance up to $1,000,000 per incident while you are on an active delivery. This coverage applies after your own personal insurance policy has been exhausted.

Do I need to let my insurance company know that I am working for Doordash?

Yes, it is important to let your insurance company know that you are working for Doordash. This is because your personal auto insurance policy may not cover you while you are working as a delivery driver. If you fail to disclose that you are working for Doordash, your insurance company may deny your claim if you are involved in an accident while on a delivery.

What happens if I get into an accident while working for Doordash?

If you are involved in an accident while working for Doordash, the first step is to make sure that everyone involved is safe and to call 911 if necessary. You should then report the accident to Doordash as soon as possible. Doordash’s insurance team will work with you and your insurance company to resolve the claim.

Can I purchase additional insurance coverage?

Yes, you can purchase additional insurance coverage if you feel that the coverage provided by Doordash and your personal auto insurance policy is not sufficient.


In conclusion, having insurance is not a requirement to work for DoorDash, but it is highly recommended. DoorDash provides limited liability coverage, but it may not be enough to cover all damages in the event of an accident.

Drivers who choose to work for DoorDash should consider purchasing additional insurance to protect themselves and their vehicles. Personal auto insurance policies typically do not cover commercial activities, so drivers may need to purchase a commercial auto insurance policy or a rideshare endorsement to their personal policy.

It is important for drivers to understand their insurance coverage and the risks associated with driving for DoorDash. Accidents can happen at any time, and drivers without adequate insurance coverage could face significant financial consequences.

By taking the time to research and purchase appropriate insurance coverage, drivers can protect themselves and their assets while working for DoorDash.