Papa Gino’s Pizzeria Auto Insurance: Rates & Requirements (2024)
If you are looking for Papa Gino's Pizzeria auto insurance, know that they will not provide you with coverage. You will need to purchase it on your own. Should you fail to do so, you will be driving illegally. What both the insurer and the restaurant will require you to carry is commercial coverage. This is the insurance for business owners. Since you'll be using your automobile to deliver food, your automobile is seen as a business.
Read moreFree Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Papa Gino’s Pizzeria does not, at this point, provide its delivery drivers with any form of auto insurance.
- Should you drive with Papa Gino’s, you will be required to carry commercial auto insurance.
- If you are at-fault for an accident, you will be paying out-of-pocket if you do not have proper coverage.
Papa Gino’s Pizzeria auto insurance is similar to other delivery operations. This means that while they do require their drivers to carry food delivery auto insurance, they themselves do not provide it.
Now that we’re living in the age of COVID-19, far more people are beginning jobs as delivery drivers. So, if this applies to you, what various types of vehicle insurance will you need.
This article will cover many topics, everything you’ll need to know. Does being a Papa Gino’s Pizzeria driver raise your auto insurance premiums? Do you need any special forms of food delivery insurance coverage to work as a delivery driver?
All that and more will be covered. For now, though, feel free to type your ZIP code into our free and helpful tool above to find reasonable auto insurance quotes in your area.
Not yet ready to buy auto insurance? Read on to learn more.
What insurance do you need to drive for Papa Gino’s Pizzeria?
Insures are interested in one thing above all, risk. They see someone who’s on the road frequently, a delivery driver, for instance, as a higher risk.
So, is your personal policy enough to cover you? No matter which company you choose to drive for, the answer is no. You will need to carry commercial auto insurance coverage.
According to the California Department of Insurance, commercial insurance is the form of insurance that covers business-owners. Here’s the catch, if you’re driving your vehicle for the purpose of delivering food, you are using your vehicle as a business.
Maybe that seems a little unfair. It’s your vehicle after all. Let’s focus on some good news, though. Most of the big insurers like State Farm and Liberty Mutual offer commercial coverage.
Let’s move on to what commercial coverage will cost you.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
How much is delivery driver insurance?
How much is commercial auto insurance? If we are to look at it on a monthly basis, it is about $142. Is this provided for you or paid for in part by your company? No and no.
Should you choose to work as a delivery driver, you need to go in it expecting to have no coverage provided. With that being said, you’ll need to get your own. Driving without proper coverage is not only illegal but it will cost you a ton out of pocket if you get into an in-fault accident.
You may be asking, “Proper coverage? But I have a personal policy.” You will be required by your insurer to add commercial coverage to your existing personal policy. Make sure to inform them of the new usage of your automobile as soon as possible.
Let’s take a look at a table showing the largest insurers who also offer commercial coverage. Take a look at the list and see if your company is listed.
Top 10 Commercial Auto Insurance Companies by Market Share
| Companies | Market Share |
|---|---|
| Progressive | 10.86% |
| Travelers | 6.28% |
| Liberty | 4.39% |
| Nationwide | 4.03% |
| Berkshire Hathaway | 3.73% |
| Old Republic | 3.55% |
| Zurich | 3.38% |
| Auto Owners | 2.45% |
| Tokio Marine Holdings | 1.88% |
| Chubb Ltd. | 1.81% |
What happens if you get into an accident while delivering food on the clock?
Remember that if you drive without insurance not only are you breaking the law but you will also be required to pay for any damages out of pocket. While this is in the case where you started the accident, keep in mind that whether or not you’re on the clock, driving without coverage is illegal.
Be thorough when you compare insurers. Ask about everything you can think of. Do they offer discounts? Will they be reliable for the next few years? Find one that not only offers commercial auto insurance, but will be in business for the foreseeable future. Read our article for three tips to buy cheap commercial auto insurance to learn more.
To see which auto insurance company is for you, type your ZIP code into our free and helpful tool below to find affordable auto insurance rates in your area.
Frequently Asked Questions
What is Papa Gino’s Pizzeria auto insurance?
Papa Gino’s Pizzeria auto insurance refers to the insurance coverage specifically designed for vehicles used by Papa Gino’s employees or the company itself for business purposes. It provides financial protection in case of accidents, damage to the vehicle, or injuries to individuals involved in a car accident while using a Papa Gino’s vehicle for work-related tasks.
Do Papa Gino’s employees need auto insurance?
Yes, Papa Gino’s employees who operate company-owned vehicles or use their personal vehicles for work-related purposes may need auto insurance. The specific insurance requirements can vary based on the employment agreement and the policies of the Papa Gino’s franchise or corporate entity.
What type of auto insurance do Papa Gino’s employees need?
Papa Gino’s employees who operate company-owned vehicles for business purposes typically need commercial auto insurance. If they use their personal vehicles for work-related tasks, they may need a commercial auto policy or an endorsement on their personal auto insurance to cover business use. It’s important for employees to check with their employer or insurance provider to determine the appropriate coverage.
Does Papa Gino’s provide auto insurance for its employees?
Papa Gino’s may provide auto insurance coverage for its employees who operate company-owned vehicles for business purposes. The specific insurance arrangements can vary depending on the franchise or corporate policies. Employees should consult their employer or human resources department to understand the insurance coverage provided by Papa Gino’s.
What should I do in case of an accident while using a Papa Gino’s vehicle?
In case of an accident while using a Papa Gino’s vehicle, follow these steps:
- Ensure safety: Check for injuries and move to a safe location if possible.
- Notify authorities: Call the police to report the accident.
- Exchange information: Share contact and insurance information with the other driver(s) involved.
- Document the scene: Take photos of the accident scene, including vehicle damage and any relevant details.
- Notify your supervisor: Report the accident to your Papa Gino’s supervisor or manager as soon as possible.
- Cooperate with your employer’s insurance provider: Provide all necessary information and documentation required by your employer’s insurance company to process the claim.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.