🚗📦 Delivery Services & Auto Liability: Are You Covered in Canada? 🇨🇦
As more Canadians join the gig economy—delivering food, groceries, and parcels—one critical question often goes overlooked: Does your car insurance actually cover you while you’re working?
🔍 Personal Use vs. Commercial Use
Most personal auto insurance policies in Canada exclude coverage when a vehicle is used for business or commercial purposes—including delivery work. If you’re in an accident while on a delivery run, your claim could be denied.
⚠️ Common Scenarios That May Void Coverage
- Delivering food through apps like Uber Eats, DoorDash, or SkipTheDishes
- Delivering parcels for Amazon Flex or other courier services
- Using your vehicle for your own side hustle or small business deliveries
📉 Potential Risks
- Denied insurance claims
- Lawsuits for property damage or injury
- Personal responsibility for vehicle repairs, medical bills, or legal expenses
✅ How to Protect Yourself
- Inform your insurer if you’re using your vehicle for delivery work
- Ask about commercial or delivery-specific endorsements
- Explore hybrid policies designed for gig drivers
- Consider higher liability limits or umbrella coverage for added protection
🛡️ Final Thought
In today’s side-hustle economy, protection goes beyond buckling your seatbelt. Make sure your insurance keeps pace with how you actually use your vehicle.
📬 If you’re unsure about your auto liability coverage while delivering—or advising clients on this emerging risk—let’s connect.
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