INSURANCE INFORMATION
SaveNeighbor itself does not require occupational accident coverage or workers’ compensation merely to use its coordination tools, but users who are not otherwise protected against injury arising from the services they provide should consider discussing occupational accident, disability, health, or other appropriate coverage with a licensed insurance provider. As an independent worker, you are responsible for determining what coverage, licenses, permits, and other authorization your activity requires—and for keeping them current.
Your activity
Requirements come from the activity itself, the vehicle or other transportation method, the insurance policies involved, applicable laws and regulations, any relevant contract, and the location. Coverage varies. No single policy type is required for everyone, and no single policy type is enough for everyone.
Auto insurance may not apply to bicycle or e-bike delivery. Homeowners or renters insurance should not be assumed to cover delivery activity. Questions to raise include:
A personal auto policy may exclude or restrict business, delivery, courier, or compensated activity. Describe the activity accurately to a licensed insurance professional, and ask for written confirmation of whether it is covered.
Depending on the person, vehicle, activity, jurisdiction, and carrier, the appropriate response might be an endorsement, commercial auto coverage, or another product. None of those is a solution that always works, and buying a listed product does not make someone automatically eligible to perform delivery or passenger services.
External resources
The links below are starting points for independent research. They are not ranked recommendations. SaveNeighbor has no arrangement or affiliation with these organizations, and SaveNeighbor receives no compensation if you contact them. Review the actual documents and verify licensing before purchasing coverage.
Each external link opens in a new tab.
A membership organization offering information about insurance programs for delivery drivers. Confirm membership eligibility, carrier identity, state availability, policy terms, exclusions, and whether a program fits the activity.
Review A4DD occupational accident policy documents (opens in a new tab)
An insurance brokerage page describing coverage considerations for New York courier and last-mile operations. Independently verify licensing, carrier options, coverage, and suitability. SaveNeighbor has no affiliation with this brokerage.
An insurance brokerage resource discussing commercial auto, cargo, occupational accident, and other last-mile delivery risks. Independently verify licensing, carrier options, coverage, and suitability. SaveNeighbor has no affiliation with this brokerage.
HUB independent-contractor insurance information (opens in a new tab)
Before you begin
Write down exactly what you will do, including whether you carry goods, accept compensation, or use a vehicle.
Contact your current insurer or a licensed insurance professional before beginning.
Describe the activity completely and accurately. Do not rely on the phrase “gig work” alone.
Ask for written confirmation of what is and is not covered.
Compare limits, exclusions, deductibles, eligibility, territory, cancellation terms, and claims procedures—not just price.
Verify the insurer and producer with the appropriate state regulator.
Keep declarations, endorsements, certificates, and renewal information accessible.
Recheck coverage whenever the work, vehicle, location, contract, or policy changes.
Stop affected activity if required coverage or authorization lapses.
Questions, not a shopping list
These are questions to ask a licensed insurance professional. They are not a declaration that every user needs every policy.
Naming a category does not mean it is required, available, or sufficient for a particular user.
SaveNeighbor is not an insurer, insurance producer, broker, or agent. SaveNeighbor does not sell, arrange, recommend, verify, or guarantee insurance. External links are provided only for general informational convenience. Listing an organization does not indicate a partnership, sponsorship, endorsement, or referral relationship. Coverage, eligibility, exclusions, rates, licensing, and legal requirements vary by person, activity, vehicle, policy, carrier, contract, and jurisdiction. Review the actual policy documents and consult a licensed insurance professional and, where appropriate, qualified legal counsel.
If this page conflicts with the SaveNeighbor Terms, the Terms control.