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Papa Gino’s Pizza Auto Insurance (Rates & Requirements)

Things to Remember

  • Papa Gino’s Pizzeria does not, at this point, provide its delivery drivers with any form of auto insurance.
  • Should you drive with Papa Gino’s, you will be required to carry commercial auto insurance.
  • If you are at-fault for an accident, you will be paying out-of-pocket if you do not have proper coverage.

Papa Gino’s Pizzeria auto insurance is similar to other delivery operations. This means that while they do require their drivers to carry food delivery auto insurance, they themselves do not provide it.

Now that we’re living in the age of COVID-19, far more people are beginning jobs as delivery drivers. So, if this applies to you, what various types of vehicle insurance will you need.

This article will cover many topics, everything you’ll need to know. Does being a Papa Gino’s Pizzeria driver raise your auto insurance premiums? Do you need any special forms of food delivery insurance coverage to work as a delivery driver?

All that and more will be covered. For now, though, feel free to type your ZIP code into our free and helpful tool above to find reasonable auto insurance quotes in your area.

Not yet ready to buy auto insurance? Read on to learn more.

Table of Contents

What insurance do you need to drive for Papa Gino’s Pizzeria?

Insures are interested in one thing above all, risk. They see someone who’s on the road frequently, a delivery driver, for instance, as a higher risk.

So, is your personal policy enough to cover you? No matter which company you choose to drive for, the answer is no. You will need to carry commercial auto insurance coverage.

According to the California Department of Insurance, commercial insurance is the form of insurance that covers business-owners. Here’s the catch, if you’re driving your vehicle for the purpose of delivering food, you are using your vehicle as a business.

Maybe that seems a little unfair. It’s your vehicle after all. Let’s focus on some good news, though. Most of the big insurers like State Farm and Liberty Mutual offer commercial coverage.

Let’s move on to what commercial coverage will cost you.

How much is delivery driver insurance?

How much is commercial auto insurance? If we are to look at it on a monthly basis, it is about $142. Is this provided for you or paid for in part by your company? No and no.

Should you choose to work as a delivery driver, you need to go in it expecting to have no coverage provided. With that being said, you’ll need to get your own. Driving without proper coverage is not only illegal but it will cost you a ton out of pocket if you get into an in-fault accident.

You may be asking, “Proper coverage? But I have a personal policy.” You will be required by your insurer to add commercial coverage to your existing personal policy. Make sure to inform them of the new usage of your automobile as soon as possible.

Let’s take a look at a table showing the largest insurers who also offer commercial coverage. Take a look at the list and see if your company is listed.

Top 10 Commercial Auto Insurance Companies by Market Share
CompaniesMarket Share
Progressive10.86%
Travelers6.28%
Liberty4.39%
Nationwide4.03%
Berkshire Hathaway3.73%
Old Republic3.55%
Zurich3.38%
Auto Owners2.45%
Tokio Marine Holdings1.88%
Chubb Ltd.1.81%

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What happens if you get into an accident while delivering food on the clock?

Remember that if you drive without insurance not only are you breaking the law but you will also be required to pay for any damages out of pocket. While this is in the case where you started the accident, keep in mind that whether or not you’re on the clock, driving without coverage is illegal.

Be thorough when you compare insurers. Ask about everything you can think of.  Do they offer discounts? Will they be reliable for the next few years? Find one that not only offers commercial auto insurance, but will be in business for the foreseeable future. Read our article for three tips to buy cheap commercial auto insurance to learn more.

To see which auto insurance company is for you, type your ZIP code into our free and helpful tool below to find affordable auto insurance rates in your area.

References:

  1. http://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm

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