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Food Delivery Insurance

Save up to 30% on business insurance
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Business insurance for food delivery has never been easier

Next Insurance streamlines business insurance with coverage designed for the self-employed and small businesses
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Get covered in 10 minutes and save up to 30%
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Instant proof of insurance and easy monthly payments
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Do it all 100% online or talk to a licensed U.S.-based advisor

Food delivery insurance designed to protect your business

Next Insurance is a one-stop shop to help you get the food and grocery delivery insurance coverage you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include: 

  • General liability
  • Commercial auto
  • Workers’ compensation 
  • Commercial property
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Food delivery insurance

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for food and grocery delivery drivers and save up to 10% when you bundle.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of food delivery accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by grocery store and restaurant owners.
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General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Most states require commercial car insurance for grocery delivery for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you slide into another vehicle during a delivery. If you use a rented vehicle for work purposes or use your own car to transport food for meal delivery services, you can add hired and non-owned auto insurance to your commercial auto policy.
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Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers’ Compensation

Workers’ Compensation

Coverage for workplace injuries
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.
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Workers’ Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory, spoilage and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.
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Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses

Save up to 30% on grocery delivery insurance

Choose from three levels of protection to get the coverage you need
You can pay for your insurance monthly or annually and you can cancel instantly at any time.

How much does food delivery insurance cost?

Fast food delivery insurance costs vary based on the risks that your business faces, such as:

  • The size of orders you deliver
  • Where your customers are located
  • If you have any employees 
  • The type of vehicles you use for work

Food delivery drivers save up to 30%, depending on the kind of work you do. More risky professions can expect to pay more.

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Insurance cost

Food delivery insurance requirements

Food and grocery delivery drivers are almost always required to have insurance due to the risk of injury to customers and damage to property. You might need insurance to:

  • Start delivering meals and groceries. Grocery stores and restaurants might ask you to have active insurance — usually general liability or workers’ compensation.
  • Hire employees. Most states require workers’ compensation.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Frequently asked questions about business insurance

Here are some of the most common questions we get about food and grocery delivery service insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect food delivery drivers?

Our food and meal delivery insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

You knock over and break a large planter on a customer’s porch. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A grocery bag full of cans drops on a customer’s foot and breaks a toe. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries 

You slip and fall while loading your van and injure your wrist. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees. 

Injuries and damage involving your business vehicles

You scratch a customer’s car as you pull into their driveway to deliver a meal. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Damage to your own property

Vandals break into your kitchen facility and damage your cooking equipment. Commercial property insurance insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is login to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.