The insurance maintained by Uber on behalf of delivery partners operating on the Uber Eats app is outlined below:
- $1 million of commercial auto liability insurance per incident. Uber maintains a commercial auto insurance policy with $1 million of liability coverage per covered incident. A delivery partner’s liability to third parties is insured from the moment a driver accepts the delivery request to the time the delivery is complete. In addition, as long as delivery-partners maintain comprehensive and collision coverage on their personal auto insurance, the insurance that Uber maintains will kick in and provide physical damage coverage for that vehicle up to its actual cash value, regardless of who is at fault. There is a $1,000 deductible payment required before this coverage applies.
- $50,000/$100,000/$25,000 of commercial auto liability insurance between deliveries. During the time that an Eats delivery partner is available but between deliveries, many personal auto insurance policies will provide coverage. However, if the delivery partner does not have applicable coverage, Uber maintains a commercial auto policy that insures the delivery partner’s liability for bodily injury up to $50,000 for each individual with a total of $100,000 per accident and up to $25,000 for property damage.
This insurance coverage applies to those Eats delivery partners who have contracted with Portier, LLC (a wholly owned subsidiary of Uber Technologies, Inc.),that provide deliveries made by motor vehicle, and is applicable in all states except New York. In New York, all motor vehicles are commercially insured in accordance with local requirements.