what auto insurance covers for pizza delivery?

Most of the people delivering pizza, do it without insurance - they keep their personal auto coverage, and just hope nothing happens.

But, you're talking about a commercial auto policy, and it's REALLY expensive - like maybe at least double what you're paying now. Which is why the pizza place doesn't want to pay for it.

I would just keep your normal insurance. You didn't need to tell your insurance company you were delivering pizzas. If you get in an accident, just make a regular claim. They're not going to ask you if you were delivering pizza at the time. Your insurance company will cover it as long as you don't explicitly tell them you were delivering pizzas at the time.

The correct type of policy is a commercial automobile policy. In my area the minimum cost for a private passenger type vehicle is $1400 per year for liability only. Obviously the cost is high. However there are some advantages--the cost would be deductible as a business expense for one. In addition you would not have to be hoping that you won't have an accident while under your personal automobile policy--which I can assure you would not be covered if the company discovered you were using the vehicle at the time of an accident to deliver pizza. Further if you have an at fault accident and are subsequently sued, I can assure you that this information will be uncovered during discovery which will result in your company denying liability and your being hung out to dry!!

What Tadd is suggesting is actually insurance fraud. Anytime you fail to provide your insurance company with information that is material to your application for insurance or fail to provide them with all the information involving a claim--you are committing fraud!

My advice--if you want this job is to purchase a commercial automobile policy and give yourself some peace of mind. Further fyi Progressive specifically asks if you do pizza delivery or delivery of any type on their application. Progressive will not cover this under the personal automobile policy but will under their commercial automobile policy.

I hope this helps. Good Luck