Bite Squad Auto Insurance: Rates & Requirements (2024)

Will my auto insurance cover an accident delivering food for Bitesquad? You will need to make sure you have proper Bite Squad auto insurance coverage before driving. The BiteSquad is here and along with it comes your food. The special delivery really is special since BiteSquad works with restaurants that might not otherwise offer delivery.

Outsourcing delivery work through becoming a “restaurant partner” makes things a lot easier for an eatery. And truthfully, BiteSquad makes things even easier for those seeking work as drivers.

Based out of Minneapolis, MN, BiteSquad joins the growing list of companies allowing people to order food through simply clicking on an app.

The drivers who deliver orders are employees hired by the company. They do not work as independent contractors, which means drivers gain more benefits than would be the case working for other services.

Anyone interested in a driving job should find BiteSquad’s online application process easy to complete. Once hired by BiteSquad, the driver can service a multitude of customers and restaurants.

The driver does need to make sure he/she has an appropriate food delivery insurance policy in place. Otherwise, the financial protections so important after an accident occurs won’t be accessible. Without an auto liability insurance settlement to address civil matters, the driver would be personally responsible for damages.

What type of insurance do I need to drive for BiteSquad?

The requirements to be hired by BiteSquad are fairly basic. A clean driving record combined with valid insurance and driver’s license reflects three obvious requirements.

What might not be so obvious to the driver is whether his or her current insurance would truly be “valid” in the eyes of the insurance company.

In order to be covered for any accident while delivering for BiteSquad, the driver must carry a commercial/business policy.

A personal policy won’t pay on losses incurred when using the vehicle for business. Anyone hired by BiteSqaud after submitting a copy of proof of personal auto insurance has to switch over to a commercial policy right away.

A driver’s lack of awareness about the difference between commercial and personal coverage won’t help matters. The driver is responsible for reporting any changes to the insurance company in order to update the policy.

Switching from the occasional use of a vehicle to driving 10 hours per day delivering food reflects a big change.

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Why does a BiteSquad driver need to purchase commercial auto insurance?

Delivering food with your car or truck means the vehicle is being used for commerce. Engaging in commerce also comes with additional and unavoidable risks. Be sure to compare Bite Squad car insurance options.

A driver using a vehicle for “normal” purposes faces risks, but not at the same volume of risk someone driving a car for business does. So, the insurance company must increase the premiums on the driver to cover potential losses associated with business use.

Las Vegas is one of the major cities BiteSquad operates. Driving down the Las Vegas Strip during lunch and dinner hours puts the driver in close proximity to many commuters and pedestrians.

The chance for an accident increase. And the driver makes several back-and-forth trips on busy streets for several hours a day and several days per week.

The potential for causing an accident creates the possibility of inflicting bodily injury. Sadly, delivery drivers have seriously hurt and killed people due to speeding or ignoring traffic laws. Only the right amount of valid auto liability coverage can save the driver financially.

 

Is it difficult for a BiteSquad driver to be approved for commercial insurance?

The insurance company can choose to accept or decline an application from a delivery driver. Normally, if the applicant has a clean driving record and few insurance claims, approval won’t be too difficult but a rate increase is unavoidable.

A good driver probably will remain careful on the road even when delivering food. Regardless, he/she faces more risks.

When initially purchasing an auto insurance policy, the would-be BiteSquad driver said “no” when asked about using the vehicle for business. The minute the car conducts business, the insurance company should be contacted.

The policy returns to underwriting for a change in status and an unavoidable rate increase. Commercial auto insurance is usually more costly than personal insurance.

Would a BiteSquad driver always be forced to pay a lot for insurance?

The simple answer here is not necessarily. Each individual applicant for a personal or commercial auto insurance policy has a different background. While switching to a commercial policy leads to a rate increase, the amount might not be much.

Reviewing a number of different quotes may reveal surprisingly competitive rates. Discounts and bundles could save even more money.

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Where can a BiteSquad driver find quality commercial auto insurance?

Requesting quotes online would be the easiest way to check out rates on commercial auto insurance. Don’t just request one or two. Ask for four or more and look at both price and, more importantly, what the policy actually delivers.

Continue to review quotes every six months even after purchasing a policy. As a rule, you always want the best deal on effective coverage. Use our free quote tool below to make sure you are getting the best rate for your coverage!

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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