Auto coverage for home health care workers, delivery workers and volunteers

Most personal auto insurance policies won't cover you if you're getting paid to use your own car to transport people or property.

You'll most likely need to buy a commercial auto insurance policy if you're being paid to use your own vehicle to deliver:

  • People, such as taking clients to appointments; or
  • Items, such as flowers, newspapers, parcels, pizzas, etc.

Make sure you have the right auto coverage

Because insurance coverage varies from company to company:

  • Always check your insurance policy to see what it does and doesn’t cover.
  • Contact your agent or insurance company if you have questions about your coverage.

Updated 11/17/2014

See also

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