If you are delivering pizza for a restaurant, Pizza Hut for example, do you need commercial insurance on your car?

My personal insurance company said that they do not cover pizza delivery. If I
was in an accident while delivering pizza could my insurance deny the claim?

Asked on February 1, 2019 under Accident Law, Arizona

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 1 year ago | Contributor

While we cannot say for certain that your insurer would deny your claim, they would have grounds to and certainly could: using a car for business is different from using it only for personal use. There is a typically higher risk profile, because of the heavier use; if you use it for business without disclosing that and buying the appropriate insurance, your insurer could deny your claim.


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