Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Aug 26, 2021

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The Short of It

  • Marco’s Pizza does not provide commercial auto insurance to its drivers
  • Drivers are required to buy commercial coverage whenever they use their own vehicle for commercial purposes
  • The most affordable commercial coverage option is an add-on to your personal policy

If you are preparing to deliver for Marco’s Pizza for some extra cash, you need to learn more about Marco’s Pizza auto insurance coverage.

Keep reading to learn more about delivery driver insurance costs and where to get the best policy.

Do you want to start comparing Marco’s Pizza auto insurance rates for free? Enter your ZIP code above and we’ll help you get started.

Do I need Marco’s Pizza auto insurance?

If you are a delivery driver that uses your own vehicle while on the clock, the answer is yes.

This may be confusing because if you’ve ever applied for a delivery job, you likely know that employers require drivers to maintain personal auto insurance.

This is because maintaining personal insurance is the law, and employers cannot employ illegal drivers. It doesn’t mean that your personal auto insurance covers you on the clock.

In fact, personal auto insurance policies do not extend coverage to you when you’re using your car for work. Instead, you will need some form of commercial auto insurance.

If you’re using a company vehicle for work, however, you do not need your own commercial policy. Commercial insurance for fleet vehicles or any other car provided by your employer is the responsibility of the delivery company.

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Where can I get the most affordable Marco’s Pizza auto insurance?

If you’re looking for the best Marco’s Pizza auto insurance quotes, you want to start with commercial endorsements. A commercial endorsement can cost as little as $5 per month depending on the insurance company.

Most endorsements can be added at any time to your existing personal policy.

However, not all insurance companies will have commercial endorsements available in all areas.

The next most affordable commercial coverage option is to purchase a hybrid policy. This policy replaces your existing personal insurance policy and includes both personal and commercial coverage.

Hybrid policies may be more expensive than some personal policies. However, because this is one policy combining personal and commercial coverage, it is more affordable than having two separate policies.

While a hybrid policy can be a great choice for a full-time delivery driver, these policies are not available everywhere or from every insurance company.

In fact, this policy type is the rarest of the commercial coverage options. One of the most popular versions of this policy is the GEICO Rideshare policy.

While it may become more widely available as delivery driving and rideshare insurance policies grow in popularity, at this point hybrid policies are few and far between.

Who offers pizza delivery auto insurance coverage?

Luckily for delivery drivers, there are plenty of Marco’s Pizza auto insurance companies out there that provide commercial coverage.

In fact, almost every auto insurance company has some form of commercial coverage available.

There are three types of commercial coverage that work best for delivery drivers.

  • Commercial endorsements
  • Whole commercial policies
  • Hybrid policies

The most widely available of these is the whole commercial policy. This is when you purchase a commercial policy in addition to your personal policy.

While almost all insurance companies offer these policies, they are also the most expensive option for delivery driver coverage.

This is because you will be paying for a whole separate policy in addition to your personal policy.

For this reason, whole commercial policies may not be the most accessible option for part-time delivery drivers.

The best way to find out if you can afford this type of coverage is to reach out to local insurance companies and compare quotes.

What happens if I don’t have food delivery insurance coverage?

You can be out thousands of dollars. Let’s break down why:

While delivery companies will maintain liability coverage on employed delivery drivers, this type of insurance only provides coverage to the other party in an accident — not the delivery driver.

So, let’s say you get into an accident while on the clock and you don’t have any commercial coverage. If you are the one at fault, you cannot submit a claim for damages or medical bills to your auto insurance company.

The other party in the accident will be covered by your employer’s liability coverage. However, any repairs your vehicle requires are all on you.

If you have ever been in an accident, you know how quickly car repairs can add up. In addition, your medical bills are also all out of pocket, depending on your company’s insurance policy.

According to the CDC, the average cost of an ER visit after an accident is $3,300. For many delivery drivers trying to save money, these are devastating bills.

While purchasing commercial coverage may seem like more of a burden than it’s worth, that’s simply not true. Not having commercial insurance can actually cost you thousands of dollars in the long run.

If you’re a delivery driver trying to save money, don’t risk it; purchase commercial coverage through one of the three methods above.

To find the most affordable option for you, it’s best to compare several policies before making a decision. When you’re ready to buy Marco’s Pizza auto insurance, enter your ZIP code below for free quotes from local companies.