BE VERY CAREFUL THERE: The actual written policy governs the policy, not what some agent may say. Ask that person for written clarification.this won't help, but with State Farm when I inquired if doing a gig that didn't involve a warm body passengers an insurance rider was not required; the regular coverage would be in force. Not sure how the other insurance companies might answer that, tho.
Just be totally aware that:Hi, looking for delivery driver insurance for california- ubereats, doordash, grubhub, and ideally also delivering large food orders to offices for lunch from an office catering company. thanks!
Read that part again OP.Also, I would recommend that you not take verbal assurances that your covered from a sales rep, ask to see it in writing in the policy.
One thing to investigate. Some food delivery policies limit the % of miles you can use for delivery relative to the total miles or it’s void. Make certain you are not limited and ask for it in writing because some agents aren’t even aware of that.I ended up going with State Farm, I think they have the best deal for delivery drivers in California (my policy is for food only, doesn't cover passengers)