If you were to go to a car insurance company and ask for “Domino’s Pizza insurance,” they would know what you mean and refer you to commercial auto insurance. Domino’s Pizza insurance is just one of many names that commercial car insurance goes by.
Several drivers from several companies use commercial insurance for all the same reason —their job. While personal car insurance is a requirement to be a Domino’s driver, it won’t protect you when you are on the clock and making deliveries.
For that reason, commercial car insurance is a must. Before avoiding the Noid for Domino’s, here is everything you should know about being ensured while doing so.
There Isn’t a “Domino’s Pizza insurance,” But There is Commercial Car Insurance
Commercial car insurance is required whenever you are using your personal car for business purposes. Pizza delivery is just one of many. A driver with a moving truck, for example, will have to get commercial car insurance.
Even rideshare drivers for Uber and Lyft have to carry a certain amount of commercial auto insurance in order to be covered while they are working. No one wants to be held responsible for damages they cause while trying to collect a paycheck, so commercial car insurance is both necessary and wise.
The Requirements to be a Domino’s Pizza Driver
In order to work for Domino’s as a delivery driver, they will typically request that you have the following:
- Driver’s license
- Be at least 18 years old
- Good driving record
- Car being used for deliveries has at least liability auto insurance
As you’ve just read, Domino’s requires that their drivers carry at least the state’s minimum liability car insurance before working for them. 49 out of 50 states require liability or basic car insurance from every driver on the road.
This is a legal necessity to insure your car while you are not working. From there, you would then add commercial coverage to your policy. It helps to have the commercial insurance settled before going into the job inquiry.
The Cost of Commercial Car Insurance For a Domino’s Driver
The cost of commercial insurance is determined by a variety of criteria, including the sort of vehicle used. When it comes to cost, getting the most affordable pizza delivery coverage is essential.
When purchasing a policy, making sure it covers all of your needs should always be your first priority. The average cost of commercial insurance for a pizza delivery driver is about $600 annually or around $50 per month.
This is just for liability coverage as full coverage with comprehensive and collision coverage will cost more. The good news is that coverage amounts for pizza delivery liability tend to be high as commercial insurance often is. Drivers can get $250,000 to $1,000,000 in general liability coverage.
Finding The Best Commercial Insurance as a Domino’s Driver
Several insurance companies, both local and national, offer free quotes for your commercial auto needs. The smartest way to shop for insurance of any kind is to take advantage of this by getting as many quotes as you can.
You’ll find that every insurer prices their commercial policies differently. Once you narrow your search down, you can select the provider that works best for you with affordable rates and good claims service. Then, you can drive for Domino’s with peace of mind that you will be covered should you cause or be involved in an accident while working.
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