If you want to work as a food delivery driver for Grubhub, you may need distinct car insurance because your car insurance can only cover personal use of a car, not business. When driving for Grubhub and cause an accident, you may be held liable for the damage since the company does not have any insurance, and this is where the distinct car insurance comes in.
This article will answer the question, ‘Does Grubhub require proof of insurance? ‘Can you deliver food without insurance and other security procedures?’ Continue reading to learn more.
Does Grubhub Require Proof of Insurance?
Yes, you may be required to provide proof of insurance to a Grubhub official before working for them. Grubhub may request a copy of your commercial insurance policy to ensure you meet your state’s insurance requirements.
Grubhub may contact your insurance company to confirm your insurance coverage. If you cannot provide a copy of your policy, Grubhub may believe you legally may not drive and deny your proposal.
To make it easier for you to get the insurance that Grubhub accepts, our researchers investigated the best car insurance providers and evaluated which Grubhub accepts. Below are some of the best insurance policies for Grubhub drivers.
- Business-Use Coverage: This is an optional coverage for a personal policy. It can protect your car when used for business only. As a Grubhub driver, you can add business-use coverage insurance to cover your vehicle during delivery services.
- Commercial Policy: Commercial car insurance plans cover businesses and their vehicles. Commercial policies are exaggerated for Grubhub drivers, but this can be the best option for you, depending on your situation.
However, most insurers allow you to add business-use coverage for a few dollars more per month.

Can You Deliver Food Without Insurance?
No, Grubhub will not hire you without insurance, so there’s no way you can deliver food without an insurance cover.
But think of it. Do you want to take the risk of delivering food without a food delivery insurance endorsement or a commercial auto policy?
This can be risky since drivers delivering food without commercial or business–use coverage can be treated as having no insurance.
For example, provincial health insurance will cover emergency care in the event of a collision. However, the driver handles the costs of rehabilitation and long-term care.
You can also ensure that your car insurance policy includes adequate coverage for these items and liability protection because settlement costs for at-fault drivers can exceed approximately $200,000.
Also, keep in mind that if your insurance company discovers that the use of your vehicle has changed and you have not informed them, they may cancel your policy.
Grubhub Insurance Requirements
Grubhub requires “auto insurance.” However, GrubHub does not have an official minimum level of coverage and may not require a specific level of insurance. Your car insurance firm will.
Before insuring your car, it’s crucial to understand that Grubhub doesn’t provide any car insurance to its drivers, so you can choose adequate coverage for you and your vehicle.
Does Grubhub Offers Health Insurance
GrubHub has partnered with Stride to make it simple for drivers to find affordable health insurance. To be eligible for health insurance, you must meet the following criteria:
- Productive delivery time of at least 15 hours per week
- Proves of current admissions in an eligible health plan submitted within 15 days after a calendar.
- Have a qualified health insurance plan. A qualified healthcare plan is an insurance plan in which you are the subscriber and not Medicare or an employer-sponsored plan.
Level 1 – Drivers who have an active delivery time of at least 15 hours per week but less than 25 hours per week.
Level 2 – Drivers who have an average active delivery time of 25 hours per week or more for the entire week
Once you’ve met these requirements, you’ll be eligible for one of two types of insurance, based on your overall estimated delivery time. You can find the exact numbers required in the Grubhub for Drivers app.
Does DoorDash Require Proof of Insurance?
Yes, DoorDash requires you to have insurance before working for them. DoorDash also offers a commercial auto insurance policy that can cover you up to $1,000,000 in the event of an accident or property damage when on active delivery.
Active delivery means DoorDash only covers you when you’re making deliveries but not on personal driving.
Want to learn more about Grubhub? Check out our related posts to learn what time GrubHub stops delivering, does GrubHub markup prices, and how to use cash value on Grubhub.
Conclusion
As a Grubhub driver, you may require commercial car insurance because your car insurance policy will not cover you.
If you cause an accident while driving for Grubhub and do not have commercial insurance, you may be forced to pay for the damages out of pocket.
Enquire with your insurance provider about commercial vehicle insurance or business-use coverage.
In most cases, you can supplement your policy with basic commercial coverage for a small fee.
Alternatively, find the cheapest Grubhub car insurance and compare it with commercial car insurance policies online to see what best fits you.