What coverage do you need as a Winnipeg delivery driver?

Do Winnipeg Delivery Drivers Need Insurance?

June 10, 2024

If you are a Winnipeg delivery driver, you need commercial auto insurance to protect you while you're on the job. Your personal car insurance doesn’t cover your vehicle when you are using it for business.

Commercial auto insurance covers liability for accidents and injuries that can happen while driving a vehicle for deliveries.

Depending on the type of the deliveries and the employer's requirements, Winnipeg delivery drivers may need insurance such as:

Cargo insurance: Covers damage or theft of the goods being delivered.

Business use coverage: If you use your personal vehicle for work purposes, you may need a business use endorsement on their personal auto policy.

General liability insurance: General liability insurance protects against third-party claims (customer or supplier) of bodily injury or property damage that occur while making deliveries.

What insurance do I need if I’m delivering food or driving passengers?

Winnipeg delivery drivers for food and delivery drivers for passengers (like rideshare drivers) have different insurance needs due to the nature of their work.

Here's a comparison:

Insurance type:

• Winnipeg food delivery drivers: Typically need commercial auto insurance, which covers them while they're using their vehicle for work purposes, such as delivering food.

• Winnipeg passenger delivery drivers: Also need commercial auto insurance, but with coverage specific to transporting passengers for hire. This often includes higher liability limits.

Coverage needs:

• Winnipeg food delivery drivers: Require coverage for liability, physical damage to their vehicle, and potentially coverage for the food being delivered (cargo insurance).

• Winnipeg passenger delivery drivers: Require coverage for liability, physical damage, and often additional coverage for passengers, such as medical payments coverage and uninsured/underinsured motorist coverage.

Policy considerations:

• Winnipeg food delivery drivers: Need to disclose to their insurance company that they are using their vehicle for food delivery to ensure they have the appropriate coverage.

• Winnipeg passenger delivery drivers: Need to ensure they have coverage that complies with their rideshare company's requirements, which often include specific coverage for different phases of driving (e.g., waiting for a ride, en route to pick up a passenger, and transporting a passenger).

In both cases, these types of drivers need to review their insurance policies and potentially obtain additional coverage to ensure they are adequately protected while working as a delivery driver in Winnipeg.