We are finding more and more clients are considering taking on work from companies like: DoorDash Uber Eats Instacart Amazon Flex/Amazon Fresh Lyft Uber Pizza delivery jobs And many others that require you to deliver people, food, or products using your personal vehicle.
There is a significant potential risk you should be aware of. First, many personal auto insurance carriers do not cover you and your auto when you are working. Why? Because many insurance carriers consider deliveries to be a commercial or business risk. So, what happens if you are driving for one of these companies and you get into an accident? Very likely the accident will not be covered. In addition, the carrier may drop your policy for not following the guidelines of a personal auto policy leaving you uninsured going forward.
What if the employer provides the insurance? We strongly recommend that you ask to review the coverage that they provide in detail, as the information on their website may not be comprehensive. For instance, some of them only cover you when you are transporting their products. This means you may not be covered when you are driving to get the products or returning back after the delivery. As a result of this scenario, you’d be uninsured for significant portions of the job leaving you at a greater risk.
What can you do if the employer does not provide insurance? Talk to your insurance agent before starting the job. They can review if your current policy offers any relevant coverages. There are a small number of carriers that may offer add-on coverage for these driving services. Your agent can help clarify if your carrier is one of those few. Next, they can see if they offer any other carriers that provide coverage on a personal policy.
The best option may be to get a business auto policy for this type of work. It may be more expensive but will be more appropriate for the situation. It may be a good solution if this is going to be your main source of income. Also, know that typical personal umbrella policies may not extend coverage for the use of your personal vehicle for business.
If you have any additional questions, please reach out to us anytime. We are always happy to be a resource for you. 603-273-0953. www.keslarinsurance.com.
Based in Newmarket, NH, Keslar Insurance Agency helps the community protect their assets. We offer our clients policies that will protect them regardless of what life may bring their way. We have established relationships with many of the top insurance carriers in the country.
Benefits Of Commercial Insurance
As a Newmarket, NH business owner, it’s important that you protect your investment. Commercial insurance helps cover you from the risks associated with operating a business. Here is a look at some of the specific benefits of commercial insurance.
Protects Your Business During Potential Liability Disputes
Commercial insurance protects your business if one of your customers is injured while visiting your property or if they claim a faulty product made them sick. The policy gives you peace of mind as you handle these disputes. If you use vehicles to transport goods or perform services, liability coverage will protect you if you accidentally collide with another vehicle or object. Liability coverage also protects you against possible allegations of slander.
Allows You To Protect Your Employees
Workers’ compensation protects your business and your employees if someone is injured in the workforce. Workers’ compensation protects you against a potential dispute while also showing how much you value your employees’ contributions.
Commercial insurance covers any damages to your property. You’re also covered if your inventory is stolen.
Provides A Safety Net During Emergencies
If you cannot operate your business due to a fire or natural disaster, you’ll be covered during this time period.
Enhances Your Reputation
Your business becomes more attractive to potential hires if you have a strong commercial insurance policy.
Keslar Insurance Agency Will Help You Protect Your Investment
Visit our website today to learn more information about commercial insurance in Maine and New Hampshire.
We at Keslar Insurance know it can be a struggle to find the perfect gift for that special someone. With this in mind, we partnered with our commercial clients to create this shopping guide for all of your gift-giving needs. The best part? Every suggestion is from a small business! Not only would you be getting an amazing gift, but you would be supporting small businesses (which we love to do!). Here are ideas for holiday gifts for even the pickiest of recipients:
For the one who loves a little self-care…
For the one who loves to stay fit…
For the student who loves to be active…
For the one who LOVES chocolate…
For the one who loves to show their New Hampshire pride…