I have my own personal Insurance for my own car but I want to deliver Pizzas for Domino’s. They have shown me their own Insurance which covers all drivers to use their own vehicle as soon as they clock on work. Is this right and will I be properly covered?
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Asked March 12, 2013
Most of the time, when you drive for a pizza company you must supply your own car and insurance; this is also true when you work for Domino's Pizza. The reason for this is because insurance is based on each particular car, and it would not be possible to provide blanket coverage for every employee delivering pizzas for the company. If the company does provide insurance coverage for you, then it is a good idea to have it, but that will not be the case for most delivery jobs. You can be grateful that this is something available from Domino's Pizza and it is probably due to them being the largest pizza chain in the country.
If you are using your personal car, and it is covered with a personal car insurance policy, you probably do not have enough insurance. When you are using your car for pizza delivery, you are using it for a commercial purpose that goes beyond what your personal car insurance covers. Most insurance companies will not let your auto insurance policy extend to cover any commercial activity in your car. If you get into an accident, the company can simply say that you were using the car for a reason other than what it was insured for, and then you are out of luck. This is not something you would consider at the time of purchase but it's something important to look into before you start driving for Domino's Pizza or for any other business.
Some pizza companies provide coverage for their drivers out of the money collected for pizza delivery charges and it appears that this is what Domino's Pizza is doing. By supplying limited insurance coverage for the drivers, the company is providing a benefit to the driver by saving them money on insurance charges because it saves them from having to purchase commercial insurance. Keep in mind, the coverage is only valid while you are working, but would protect you in the event of an accident, robbery, or another mishap while on the job. It does nothing for an ill-fated pizza, though. Instead, you'd have to turn to Domino's pizza delivery insurance for that.
In all seriousness, this insurance coverage provided by Domino's Pizza is a good thing, but pay close attention to the details. You may discover that the coverage only pays for a specific dollar amount, will only cover injuries to other drivers, not yourself, or some other exclusion that severely limits the coverage plan. Additionally, some insurance for delivery drivers has very high deductibles. Unless you submit information regarding your vehicle to the company, it is very unlikely that your car is being officially added to the restaurant insurance policy. If you'd like to use this coverage instead of paying out of pocket for commercial insurance, make sure that you get all of the details about the business insurance policy that will be covering you. You should also look into how any insurance policies will affect you if you were ever to file any workers compensation claims.
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Answered March 12, 2013 by Anonymous