Rideshare & Delivery Insurance
— Stay Covered, Stay Earning

Home » Rideshare & Delivery

Drive for Uber, Lyft, DoorDash, or other platforms? COVER AI has you protected.

If you’re working in the gig economy — driving people or delivering food and packages — you need more than just personal auto insurance. COVER AI offers specialized rideshare and delivery coverage to fill the gaps between your personal policy and the platform’s insurance.

What Is Rideshare & Delivery Insurance?

This type of insurance is designed specifically for gig drivers, covering the unique risks that come with driving for work.

Phase of Driving

What’s Covered

App off (personal use)

Your personal auto policy applies.

App on, no passenger/order

Rideshare/delivery policy kicks in to cover you between jobs.

Passenger on board / delivery active

Platform insurance + COVER AI coverage to fill gaps and boost protection.

Important: Most personal auto policies exclude business use — meaning you could be uninsured without the right rideshare/delivery coverage.

Phase of Driving

App off (personal use)

What’s Covered

Your personal auto policy applies.

Phase of Driving

App on, no passenger/order

What’s Covered

Rideshare/delivery policy kicks in to cover you between jobs.

Phase of Driving

Passenger on board / delivery active

What’s Covered

Platform insurance + COVER AI coverage to fill gaps and boost protection.

Important: Most personal auto policies exclude business use — meaning you could be uninsured without the right rideshare/delivery coverage.

Why You Need Specialized Coverage

Avoid Coverage Gaps

Don’t rely only on the platform’s limited protection — stay fully covered in every phase.

Protect Your Income

If your car is out of commission, you can’t work. COVER AI helps you get back on the road faster.

Comply With Legal Requirements

Stay in line with state laws and platform requirements.

Peace of Mind

Focus on earning, not worrying.

Who Needs Liability Insurance?

Why Choose COVER AI ?

Frequently Asked Questions

Doesn’t Uber or DoorDash already cover me?

Partially — but only when you’re actively on a trip. Between trips, coverage is limited or nonexistent.

What happens if I have an accident off the app?

Your personal policy applies — but COVER AI ensures you’re covered in every phase.

Do I need commercial auto insurance?

Not always. COVER AI helps you choose the right policy for your gig work.

Ready to Drive With Confidence?

Maximize your earnings — and your protection — with COVER AI rideshare and delivery insurance.
Get your custom quote today and hit the road with peace of mind.

Get My Free Quote

Call us:

+1 (312) 395-0872