The Short Answer
Grubhub does not provide auto insurance to its drivers. That puts Grubhub in a different category from DoorDash, Uber Eats, and Amazon Flex, all of which provide at least some liability coverage during active deliveries. Grubhub does offer limited occupational accident insurance, but that covers driver injuries, not auto incidents.
If you’re delivering for Grubhub without a delivery endorsement on your personal auto policy, you have no coverage for accidents during deliveries on either side.
What Grubhub Does and Doesn’t Provide
Most drivers assume that being on a platform means the platform has your back if something goes wrong. For auto incidents on Grubhub, that assumption is wrong.
Here’s what Grubhub actually offers (compared to DoorDash and Uber Eats, which both provide auto liability during active orders):
Occupational accident insurance: Grubhub provides this to drivers during active deliveries. If you’re physically injured in a covered accident while delivering, this insurance can cover medical expenses and some lost income. It is a driver injury benefit, not auto liability coverage.
Auto liability insurance: None. If you cause an accident while on a Grubhub delivery (running a red light, rear-ending someone, sideswiping a parked car), there is no liability insurance from Grubhub to cover the damage to the other party.
Collision coverage for your vehicle: None. Grubhub provides no coverage for damage to your own car under any circumstances.
How This Differs From Other Platforms
The contrast with other major delivery platforms is significant:
| Platform | Liability During Active Order | Collision for Your Car |
|---|---|---|
| DoorDash | $1M | No |
| Uber Eats | $1M | Yes, $2,500 deductible (contingent) |
| Amazon Flex | $1M | Yes, $1,000 deductible (contingent) |
| Grubhub | None | No |
This doesn’t mean Grubhub is necessarily worse to drive for in every respect, but the insurance situation requires more active attention on your part.
Why Your Personal Policy Won’t Help
Personal auto insurance policies are built for personal use. Using your vehicle to earn money through a delivery app is commercial activity, and virtually every personal policy has an explicit exclusion for it.
When you’re on a Grubhub delivery and get into an accident, your personal insurer will investigate. They check app records, GPS data, and accident reports. If they find you were on a delivery, they can deny the claim and cancel your policy for misrepresentation, even if you have full coverage.
Full coverage on your personal policy means you have comprehensive and collision on top of liability. It does not mean coverage during commercial activity.
Without a delivery endorsement, you’re uninsured during Grubhub deliveries for auto incidents. The occupational accident insurance Grubhub provides covers your own injuries to a limited extent, but it does nothing for liability to others or damage to your vehicle.
What You Need to Do
The fix is the same as for any delivery platform: add a delivery or rideshare endorsement to your existing personal auto policy.
A delivery endorsement extends your personal coverage to include commercial delivery activity. It fills the gap your personal policy leaves during Grubhub deliveries, covers you for liability and (if your policy includes collision) protects your own vehicle.
What an Endorsement Covers
A delivery endorsement typically covers you during:
- App-on time while waiting for an order
- Active deliveries from pickup to dropoff
- Return trips after completing a delivery
This is coverage your personal insurer agrees to provide for an additional premium, so the exact scope depends on the insurer and your policy.
What It Costs
Most drivers pay between $15 and $50 per month to add a delivery endorsement. That breaks down to $0.50 to $1.67 per day. See our carrier comparison for delivery drivers for a side-by-side look at State Farm, GEICO, Progressive, Allstate, and others.
If your current insurer doesn’t offer a delivery endorsement, it’s worth comparing alternatives. Some insurers have built products specifically for gig economy drivers that provide seamless coverage across platforms at competitive prices.
If You Deliver for Multiple Platforms
Many Grubhub drivers also deliver for DoorDash, Uber Eats, or both. The coverage landscape across platforms is uneven enough that it’s worth understanding how it works when you multi-app.
When the Grubhub app is active: no platform coverage for auto incidents applies.
When the DoorDash app is active during an order: DoorDash’s $1M liability applies.
When the Uber Eats app is active during a delivery: Uber’s coverage applies.
A delivery endorsement on your personal policy solves the problem across all platforms simultaneously. You don’t need to track which app has better coverage in the moment: the endorsement has you covered whenever you’re working.
The Bottom Line
Grubhub can be a legitimate source of income, particularly in markets where Grubhub has strong restaurant density or where you already know the area well. But delivering for Grubhub without a delivery endorsement puts you in a position that no other major platform leaves you in: no auto insurance coverage at all during active deliveries.
Getting the endorsement in place takes about 15 minutes and costs less than most drivers expect. Doing it before your next shift is the right call.
