Can't-Miss Facts

  • Walmart partners with independent contractors and third party delivery companies to process deliveries
  • Depending on which company you contract with, coverage options provided for Walmart delivery auto insurance may differ
  • Insurance laws in your state will determine auto insurance requirements for delivery services

Understanding Walmart delivery auto insurance is essential for any independent contractor looking to become a Walmart associate grocery driver, and applies to many delivery drivers currently working for other companies as well.  This delivery auto insurance guide will cover common questions and important information.

Enter your ZIP code above to get a free quote today and start the road to buying Walmart delivery auto insurance.

It’s important to keep in mind that food delivery insurance is required for anyone looking to deliver groceries or goods for Walmart. Insurance companies must protect themselves against added liability involving food delivery.

Additional considerations, like shifting weight of items, interior damage, and potential driving hazards due to loose objects in the vehicle, are all variables auto insurance companies take into account.

Thankfully, many delivery service companies do provide coverage plans specifically for auto delivery insurance.  Take a look below to see if your delivery service company offers special delivery insurance in your state.

Walmart Delivery Insurance Coverage Information

CompanyCoverage
Amazon FlexYes
Liability: $1 million
Uninsured/Underinsured: $1 million
Comprehensive and Collision: $50,000
(if you have your own comprehensive and collision coverage)
AmazonFreshYes
Liability: $1 million
Uninsured/Underinsured: $1 million
Comprehensive and Collision: $50,000
(if you have your own comprehensive and collision coverage)
Amazon Prime NowYes
Liability: $1 million
Uninsured/Underinsured: $1 million
Comprehensive and Collision: $50,000
(if you have your own comprehensive and collision coverage)
BitesquadNo
BringMeThatNo
CaviarYes
Up to $1 million per accident for medical expenses
$100,000 accidental death benefit and $100,000 survivor's benefits (eligible dependents)
Accidental Disability benefit up to $500 per week
Delivery.comNo
Domino'sNo
DoorDashYes
Liability: $1 million (you have to exhaust your own coverage first)
EatStreetNo
FoodlerNo
FreshDirectYes
Drivers use a company truck for deliveries
Google ExpressYes
Drivers use a company truck for deliveries
GrubHubNo
InstacartNo
Jimmy John'sNo
Olive GardenNo
OrderUpNo
PaneraNo
Papa John'sNo
PeachNo
PeaPodYes
Drivers use climate control company trucks to deliver groceries
Pizza HutNo
PostmatesYes
Liability: $1 million (you have to exhaust your own coverage first)
PublixNo
Provides delivery through Instacart
Round Table PizzaNo
SeamlessNo
ShiptNo
UberEATSYes
Liability: $1 million
In between trips: $50,000 per person/accident
$100,000 per accident
$25,000 for property damage
VonsYes
Drivers use a company car for deliveries
WalMartNo
Wedgy'sNo
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If you have to find delivery auto insurance on your own, keep a few things in mind while researching.

It’s recommended that any delivery driver maintain a business auto insurance policy. Federal law specifies that carriers of household goods maintain a separate standard of care, which applies differently than general transportation law.

This additional liability affects auto insurance rates and applies to anyone transporting goods for business, which is a typical Walmart delivery service. This means that if your delivery service company doesn’t cover special insurance, you’ll encounter major problems with your auto insurance company in the event of accident.

It’s important to note that business auto insurance is not the same as personal auto insurance.  Your personal insurance policy only covers damages unrelated to business, and in fact, may even be voided if it’s determined that damage occurred during business travel.

Additionally, falsifying the circumstances of an accident or omitting important information regarding the use of your vehicle may constitute insurance fraud, which can cost you any coverage you currently have, and may even result in the loss of your license.

In short, it’s best to play it safe and carry the required special insurance you’ll need for business trips. Use our free quote tool to find affordable Walmart delivery auto insurance rates and compare auto insurance options.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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Walmart partners with third party services to contract associate delivery drivers.  This means there is no general policy at the moment that covers delivery drivers directly. This may change in the future, but for now it’s best to adhere to state requirements for Walmart delivery insurance. Even if you drive for a delivery company that offers an insurance policy, some states, like New York, may have stipulations in place that expose drivers to additional liability, despite coverage offered by the company.

Where I can find the most affordable Walmart Delivery Insurance ?

Walmart delivery insurance quotes will vary based on vehicle type, claim history, and other factors.  Given the requirements mentioned above for different states, and different types of goods delivery, a business auto insurance policy or commercial auto insurance policy may be the best option.

Finding the best rates and the type of coverage you need starts with our free insurance comparison tool. Enter your ZIP code below and get started on comparing Walmart delivery auto insurance rates today.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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References:

1. https://www.law.cornell.edu/cfr/text/49/387.33

2.https://www.walmart.com/grocery/help/article/how-does-delivery-work/c1601e6e2e794e96ac62489434c6e46e

3.https://www.uber.com/newsroom/nys-ridesharing-insurance/