---
title: Delivery Drivers Will Have Different Risks In Pandemic Environment
description: As the panic over the Coronavirus continues, many restaurants are being forced to transition to delivery services.
image: https://blog.plrisk.com/hubfs/Stock%20images/Smiling%20pizza%20delivery%20man%20holding%20many%20pizza%20boxes%20in%20a%20commercial%20kitchen.jpeg
---

[![2012 PLRisk Logo-Feb-28-2023-09-30-45-0928-PM](https://blog.plrisk.com/hs-fs/hubfs/2012%20PLRisk%20Logo-Feb-28-2023-09-30-45-0928-PM.png?width=1650&height=500&name=2012%20PLRisk%20Logo-Feb-28-2023-09-30-45-0928-PM.png "2012 PLRisk Logo-Feb-28-2023-09-30-45-0928-PM")](https://plrisk.com/)

[![PL Risk](https://blog.plrisk.com/hs-fs/hubfs/raw_assets/public/Pl_Risk_June_2020/images/plrisk-50x140-logo.png?width=300&height=300&name=plrisk-50x140-logo.png "PL Risk")](https://plrisk.com/)

- [HOME](https://plrisk.com/)
- [CUSTOMER CENTER](https://plrisk.com/#) 
    - [Make A Payment](https://plrisk.epaypolicy.com/)
    - [Submit An Application](https://www.plrisk.com/applications/)
    - [Confirmation of Coverage](mailto:info@plrisk.com)
    - [Download Applications](https://plrisk.com/applications)
    - [File a Claim](https://plrisk.com/file-a-claim)
    - [Claim Scenarios](https://plrisk.com/claim-scenarios)
    - [FAQs](https://plrisk.com/faqs)
    - [Industry Tools](https://plrisk.com/industry-tools)
    - [Free Cyber Hotline](https://plrisk.com/free-cyber-hotline)
    - [Get Appointed](https://plrisk.com/for-agents)
- [INDUSTRIES WE SERVE](https://plrisk.com/#) 
    - [Architects & Engineers](https://plrisk.com/architects-engineers/)
    - [Financial Institutions](https://plrisk.com/financial-institutions/)
    - [Healthcare / Medical](https://plrisk.com/healthcare-medical/)
    - [Insurance](https://plrisk.com/insurance/)
    - [Technology](https://plrisk.com/technology/)
    - [Consulting](https://plrisk.com/consulting/)
    - [Legal](https://plrisk.com/legal)
    - [Real Estate](https://plrisk.com/real-estate/)
    - [Media](https://plrisk.com/media)
    - [Miscellaneous Services](https://plrisk.com/miscellaneous-services/)
- [PRODUCTS](https://plrisk.com/#) 
    - [Overview](https://plrisk.com/products)
    - [Errors and Omissions](https://plrisk.com/products/errors-omissions)
    - [Directors and Officers](https://plrisk.com/products/directors-officers/)
    - [Commercial Crime](https://plrisk.com/products/commercial-crime/)
    - [Employment Practices](https://plrisk.com/products/employment-practices/)
    - [Cybersecurity](https://plrisk.com/products/fiduciary/)
    - [Fiduciary](https://plrisk.com/products/cybersecurity/)
- MERGERS & ACQUISITIONS 
    - [Reps and Warranties Sell](https://www.plrisk.com/wp-content/uploads/2023/06/PLR-Reps-and-Warranties-SellSide-Onesheet.pdf)
    - [Reps and Warranties](https://www.plrisk.com/wp-content/uploads/2023/06/PLR-Reps-and-Warranties-Onesheet.pdf)
- CANNABIS 
    - [Overview](https://www.plrisk.com/products/cannabis-insurance)
    - [Account Highlights](https://blog.plrisk.com/hubfs/PLR%20-%20Cannabis%20Assets/PLR-CANNABIS-account%20highlights_Onesheet-V2.pdf)
    - [Commercial Property](https://www.plrisk.com/cannabis-commercial-property/)
    - [Commercial Crime](https://www.plrisk.com/cannabis-business-insurance-commercial-crime)
    - [Cyber Liability](https://www.plrisk.com/wp-content/uploads/2023/08/PLR-12-CANNABIS-Cyber-Insurance-Onesheet-V8.pdf)
    - [D&O](https://blog.plrisk.com/hubfs/PLR%20-%20Cannabis%20Assets/PLR-CANNABIS-D%26O-Onesheet-V1.pdf)
    - [E&O](https://blog.plrisk.com/hubfs/PLR%20-%20Cannabis%20Assets/PLR-CANNABIS-E%26O-Onesheet-V1.pdf)
    - [EPLI](https://www.plrisk.com/wp-content/uploads/2023/08/PLR-10-CANNABIS-Employment-Practices-Liability-Onesheet-V9.pdf)
    - [General Liability](https://www.plrisk.com/wp-content/uploads/2023/08/PLR-02-CANNABIS-General-Liability-Onesheet-V4-1.pdf)
    - [Product Liability](https://www.plrisk.com/wp-content/uploads/2023/08/PLR-03-CANNABIS-Product-Liability-Onesheet-V2-4.pdf)
    - [Workers’ Comp](https://www.plrisk.com/wp-content/uploads/2023/08/PLR-05-CANNABIS-Workers-Compensation-Onesheet-Reduced.pdf)
- [SELECT](https://www.plrisk.com/products/select-division/)
- [ABOUT](https://plrisk.com/#) 
    - [Our Team](https://plrisk.com/our-team/)
    - [Careers](https://www.plrisk.com/careers/)
    - [Our Charity](https://plrisk.com/helping-hands/)
- NEWSROOM 
    - [Blog](https://blog.plrisk.com)
    - [Newsletters](https://www.plrisk.com/plr-newsletters/)
- QUOTE ONLINE 
    - [Hiscox NOW Small Business Insurance](https://www.hiscox.com/partner-agent/plriskadvisors)
    - [Custom Quote](https://www.hiscox.com/partner-agent/plriskadvisors)

- CUSTOMER  
  CENTER
  
  
  
    - [MAKE A PAYMENT](https://plrisk.epaypolicy.com/)
    - [SUBMIT AN APPLICATION](https://www.plrisk.com/applications/)
    - [CONFIRMATION OF COVERAGE](mailto:info@plrisk.com)
    - [DOWNLOAD APPLICATIONS](https://plrisk.com/applications)
    - [FILE A CLAIM](https://plrisk.com/file-a-claim)
    - [CLAIM SCENARIOS](https://plrisk.com/claim-scenarios)
    - [FAQs](https://plrisk.com/faqs)
    - [INDUSTRY TOOLS](https://plrisk.com/industry-tools)
    - [FREE CYBER HOTLINE](https://plrisk.com/free-cyber-hotline)
    - [GET APPOINTED](https://plrisk.com/for-agents)
- INDUSTRIES  
  WE SERVE
  
  
  
    - [TITLE AGENTS & MORTGAGE BROKERS](https://www.plrisk.com/real-estate/)
    - [REAL ESTATE](https://www.plrisk.com/real-estate/)
    - [LEGAL](https://www.plrisk.com/legal/)
    - [MEDIA](https://www.plrisk.com/media/)
    - [ARCHITECTS & ENGINEERS](https://www.plrisk.com/architects-engineers/)
    - [FINANCIAL INSTITUTIONS](https://www.plrisk.com/financial-institutions/)
    - [CONSULTING](https://www.plrisk.com/consulting/)
    - [MISC. SERVICES](https://www.plrisk.com/miscellaneous-services/)
    - [HEALTHCARE MEDICAL](https://www.plrisk.com/healthcare-medical/)
    - [INSURANCE](https://www.plrisk.com/insurance/)
    - [TECHNOLOGY](https://www.plrisk.com/technology/)
    - [SPACs](https://www.plrisk.com/spacs/)
- PRODUCTS
  
  
  
    - [PRODUCTS OVERVIEW](https://plrisk.com/products)
    - [Errors & Omissions](https://plrisk.com/products/errors-omissions)
    - [Directors & Officers](https://plrisk.com/products/directors-officers/)
    - [Commercial Crime](https://plrisk.com/products/commercial-crime/)
    - [EPLI](https://plrisk.com/products/employment-practices/)
    - [Fiduciary Liability](https://plrisk.com/products/fiduciary/)
    - [Cybersecurity](https://plrisk.com/products/cybersecurity/)
- [MERGERS & ACQUISITIONS](https://www.plrisk.com/wp-content/uploads/2023/03/PLR-Managing-Insurance-Coverage-eBook-03272023.pdf)
  
  
  
    - [Reps and Warranties](https://www.plrisk.com/wp-content/uploads/2023/06/PLR-Reps-and-Warranties-Onesheet.pdf)
    - [Reps and Warranties Sell](https://www.plrisk.com/wp-content/uploads/2023/06/PLR-Reps-and-Warranties-SellSide-Onesheet.pdf)
- [CANNABIS](https://www.plrisk.com/products/cannabis-insurance)
  
  
  
    - [Overview](https://www.plrisk.com/products/cannabis-insurance)
    - [Account Highlights](https://blog.plrisk.com/hubfs/PLR%20-%20Cannabis%20Assets/PLR-CANNABIS-account%20highlights_Onesheet-V2.pdf)
    - [Commercial Crime](https://www.plrisk.com/cannabis-business-insurance-commercial-crime)
    - [Commercial Property](https://www.plrisk.com/cannabis-commercial-property/)
    - [Cyber Liability](https://www.plrisk.com/cannabis-business-insurance-cyber-liability/)
    - [D&O](https://www.plrisk.com/cannabis-directors-officers-do-liability/)
    - [E&O](https://www.plrisk.com/cannabis-errors-omissions-eo/)
    - [EPLI](https://www.plrisk.com/cannabis-employment-practices-liability/)
    - [General Liability](https://www.plrisk.com/cannabis-general-liability/)
    - [Product Liability](https://www.plrisk.com/cannabis-product-liability/)
    - [Workers’ Comp](https://www.plrisk.com/cannabis-business-insurance-workers-compensation/)
- [SELECT](https://www.plrisk.com/products/select-division/)
- ABOUT
  
  
  
    - [Our Team](https://plrisk.com/about-us/)
    - [Our Charity](https://plrisk.com/helping-hands/)
    - [Careers](https://www.plrisk.com/careers/)
- NEWSROOM
  
  
  
    - [BLOG](https://blog.plrisk.com)
    - [NEWSLETTERS](https://www.plrisk.com/plr-newsletters/)
- QUOTE  
  ONLINE
  
  
  
    - [Hiscox NOW Small Business Insurance](https://www.hiscox.com/partner-agent/plriskadvisors)
    - [Custom Quote](https://www.hiscox.com/partner-agent/plriskadvisors)

×

### Get A Quote

# Delivery Drivers Will Have Different Risks In Pandemic Environment

[Drew Smith](https://blog.plrisk.com/author/drew-smith)

 Mar 23, 2020, 4:28:30 PM

![](https://blog.plrisk.com/hubfs/Stock%20images/Smiling%20pizza%20delivery%20man%20holding%20many%20pizza%20boxes%20in%20a%20commercial%20kitchen.jpeg)

![Smiling pizza delivery man holding many pizza boxes in a commercial kitchen](https://blog.plrisk.com/hs-fs/hubfs/Stock%20images/Smiling%20pizza%20delivery%20man%20holding%20many%20pizza%20boxes%20in%20a%20commercial%20kitchen.jpeg?width=1000&name=Smiling%20pizza%20delivery%20man%20holding%20many%20pizza%20boxes%20in%20a%20commercial%20kitchen.jpeg)

As the panic over the Coronavirus continues, many restaurants are being forced to transition to delivery services. Delivery services and take out options such as Grubhub and Doordash to comply with different lockdown orders. While this seems like a lucrative business, from an insurance perspective, these drivers run an additional risk.

On most car insurances, there are your standard coverages, such as replacement cars, paying a technician and accident coverage. One thing that is normally excluded is whether employees are using their cars exclusively for work. This applies to delivery drivers and for those using their vehicles for ride sharing such Uber or Lyft. For delivery drivers, the liability is on their employer to cover them and normally they don’t carry enough in the event of an accident or god forbid an attack on the driver itself. With lockdowns and social distancing, delivery drivers are at increasing risk of accidents and potentially catching the virus. These drivers wouldn’t be covered under their auto policy and as a result might be at an increased risk for the virus.[\[1\]](https://blog.plrisk.com/delivery-drivers-will-have-different-risks-in-pandemic-environment#_ftn1)

During this increased time of paranoia, drivers are at increased risk of exposure. Take care to minimize impact as the world seems to grind to a crawl over this virus. Be sure to check your coverages and take steps to protect your employees.

[\[1\]](https://blog.plrisk.com/delivery-drivers-will-have-different-risks-in-pandemic-environment#_ftnref1) [https://www.insurancejournal.com/magazines/mag-features/2020/03/09/560411.htm](https://www.insurancejournal.com/magazines/mag-features/2020/03/09/560411.htm)

## Recent Posts

- [Tracking Cookies Beginning to Run Afoul of Consumer Data Protection Laws](https://blog.plrisk.com/tracking-cookies-beginning-to-run-afoul-of-consumer-data-protection-laws)
- [PLRisk welcomes Jeffery Phi to their growing Wholesale Broker roster](https://blog.plrisk.com/plrisk-welcomes-jeffery-phi-to-their-growing-wholesale-broker-roster)
- [PLRisk Welcomes Michelle Delaney as Wholesale Account Manager](https://blog.plrisk.com/plrisk-welcomes-michelle-delany-as-wholesale-account-manager)
- [PLRisk Spotlights Rachel Coughlin](https://blog.plrisk.com/plrisk-spotlights-rachael-coughlin)
- [PLRisk congratulates Matt Culkin on joining NJYIP Board](https://blog.plrisk.com/plrisk-congratulates-matt-culkin-on-joining-njyip-board)

Search

### Share this post

[![Share on facebook](https://7528309.fs1.hubspotusercontent-na1.net/hub/7528309/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/facebook-color.png?width=24&name=facebook-color.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fblog.plrisk.com%2Fdelivery-drivers-will-have-different-risks-in-pandemic-environment%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on linkedin](https://7528302.fs1.hubspotusercontent-na1.net/hub/7528302/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/linkedin-color.png?width=24&name=linkedin-color.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.plrisk.com%2Fdelivery-drivers-will-have-different-risks-in-pandemic-environment%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on twitter](https://7528302.fs1.hubspotusercontent-na1.net/hub/7528302/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/x-twitter-color.png?width=24&name=x-twitter-color.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.plrisk.com%2Fdelivery-drivers-will-have-different-risks-in-pandemic-environment%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.plrisk.com%2Fdelivery-drivers-will-have-different-risks-in-pandemic-environment%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=) [![Share on email](https://7528311.fs1.hubspotusercontent-na1.net/hub/7528311/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/email-color.png?width=24&name=email-color.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fblog.plrisk.com%2Fdelivery-drivers-will-have-different-risks-in-pandemic-environment%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fblog.plrisk.com%2Fdelivery-drivers-will-have-different-risks-in-pandemic-environment%3Futm_medium%3Dsocial%26utm_source%3Demail)

### Subscribe to our blog

[![PLRisk-LogoWhite](https://blog.plrisk.com/hs-fs/hubfs/PLRisk-LogoWhite.png?width=400&height=123&name=PLRisk-LogoWhite.png "PLRisk-LogoWhite")](https://plrisk.com/)

### Stay connected to learn the latest from PLRisk

By clicking submit I agree to the  [Privacy Policy](https://www.plrisk.com/privacy-policy)  and [Terms & Conditions.](https://www.plrisk.com/terms-conditions/)

###### 795 Franklin Avenue, Suite 210 Franklin Lakes, NJ 07417 Tel: (855) 403-5982 Fax: 201-847-9174

- RESOURCES 
    - [DOWNLOAD APPLICATIONS](https://plrisk.com/applications)
    - [FILE A CLAIM](https://plrisk.com/file-a-claim)
    - [CLAIM SCENARIOS](https://plrisk.com/claim-scenarios)
    - [FAQs](https://plrisk.com/faqs)
    - [INDUSTRY TOOLS](https://plrisk.com/industry-tools)
    - [FREE CYBER HOTLINE](https://plrisk.com/free-cyber-hotline)
    - [GET APPOINTED](https://plrisk.com/for-agents)
- PRODUCTS 
    - [PRODUCTS OVERVIEW](https://plrisk.com/products)
    - [ERRORS & OMISSIONS](https://plrisk.com/products/errors-omissions)
    - [DIRECTORS & OFFICERS](https://plrisk.com/products/directors-officers/)
    - [COMMERCIAL CRIME](https://plrisk.com/products/commercial-crime/)
    - [EMPLOYMENT PRACTICES](https://plrisk.com/products/employment-practices/)
    - [FIDUCIARY LIABILITY](https://plrisk.com/products/fiduciary/)
    - [CYBERSECURITY](https://plrisk.com/products/cybersecurity/)
- PROFESSIONS 
    - [TITLE AGENTS & MORTGAGE BROKERS](https://plrisk.com/real-estate/)
    - [REAL ESTATE](https://plrisk.com/real-estate/)
    - [LEGAL](https://plrisk.com/legal)
    - [MEDIA](https://plrisk.com/media)
    - [ARCHITECTS & ENGINEERS](https://plrisk.com/architects-engineers/)
    - [FINANCIAL INST.](https://plrisk.com/financial-institutions/)
    - [CONSULTING](https://plrisk.com/consulting/)
    - [MISC. SERVICES](https://plrisk.com/miscellaneous-services/)
    - [HEALTHCARE/MEDICAL](https://plrisk.com/healthcare-medical/)
    - [INSURANCE](https://plrisk.com/insurance/)
    - [TECHNOLOGY](https://plrisk.com/technology/)
- ABOUT 
    - [OUR TEAM](https://www.plrisk.com/about-us/)
    - [BLOG](https://blog.plrisk.com/)
    - [OUR CHARITY](https://plrisk.com/helping-hands/)
    - [CAREERS](https://www.plrisk.com/careers/)
    - [PRIVACY POLICY](https://www.plrisk.com/privacy-policy)
    - [TERMS & CONDITIONS](https://www.plrisk.com/terms-conditions/)
    - [ACCESSIBILITY STATEMENT](https://www.plrisk.com/accessibility-statement/)
    - [STATE LICENSES](https://www.plrisk.com/state-licenses/)

Copyright © 2023 PLRisk | All Rights Reserved | [Privacy Policy](https://www.plrisk.com/privacy-policy)

PLRisk Specialty Insurance Agency LLC is a licensed insurance broker legally operating in the state of New Jersey under license number NJ 3002329782 and in California DBA NJ PLRisk Specialty Insurance Agency LLC, License number CA 6009937