Olive Garden Delivery Driver Auto Insurance (Rates & Requirements)

To find the best Olive Garden auto insurance for delivery drivers you will need a commercial policy, which covers you while using your vehicle for work. Average rates are $273.08/month but to get the best Olive Garden driver insurance rates shop around.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to remember...

  • You must be insured to drive any vehicle, owned or non-owned
  • Delivering food for Olive Garden falls within the realm of commercial auto insurance coverage
  • As a licensed driver in your state, it is your responsibility to know if you are covered driving a company vehicle before getting behind the wheel
  • Personal car insurance will rarely if ever, cover accidents that happen while using your vehicle for food deliveries
  • Delivery drivers will either need commercial coverage or supplemental insurance that kicks in when using their personal vehicle to make deliveries


Will my auto insurance cover an accident delivering food for Olive Garden? How do I find the best Olive Garden delivery driver car insurance? Some of the most attractive aspects of working for a restaurant like Olive Garden are the benefits packages and opportunities for advancement offered to employees.

While this might not seem pertinent to anyone asking if their car insurance will cover an accident delivering food for Olive Garden, it’s a huge part of the answer.

Few restaurant chains offer the amazing number of perks you will find at this member of Darden Restaurants, a General Mills spinoff. It would be a shame to lose all that as the result of an accident while delivering food. Make sure you are covered by comparing quotes with our free quote tool above today! 

If you don’t think that could happen, consider the ramifications of litigation in the event of an insurance claim your personal auto insurance provider will not cover. Here is some food for thought, no pun intended, to ponder before jumping in your car to make that delivery. Be sure that you have the best food delivery insurance coverage if required.

Does Olive Garden even deliver food?

At this point, you may be wondering how you could get in an accident making a delivery for Olive Garden when they really don’t deliver in the truest sense of the word.

They do, however, deliver from their special Olive Garden Catered Menu on orders greater than $100. There is a 15 percent delivery charge on any amount up to $500, after which the store will charge 5 percent on any amount above that ceiling.

There is a select menu from which to order and the norm is to order at least 24 hours in advance, although exceptions can be made.

Many stores are franchises, which leaves the franchisee responsible for all insurance coverage required by law within the state in which that store is located. Failure to carry adequate insurance is not the fault of Darden Restaurants, or the Olive Garden trademark.

So who insures vehicles owned by the store in which you work, and will you be asked to deliver catered items in your own car? If the company (restaurant) delivery vehicle bears the Olive Garden logo, the franchise owner is legally responsible to carry the proper commercial coverage.

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If Employees Are Asked to Make Deliveries in Their Personal Vehicles

In most cases, your personal car insurance will not cover an accident that occurred during the commission of your work. That’s the plain and simple answer and one that has been an industry standard for many, many years.

However, with an ever-increasing number of self-employed contract workers, most of the big insurance companies have begun re-examining that particular exclusion.

Whether transporting passengers or delivering food for Olive Garden, your policy most likely has the ‘Livery Exclusion’ which clearly excludes coverage for accidents occurring when using your personal vehicle for work-related activities.

Some companies offer supplemental insurance that kicks in when you get behind the wheel for work but reverts to your underlying policy when using your vehicle for personal transportation.

This, then, begs the question, should you be responsible for buying supplemental insurance to deliver food for a restaurant like Olive Garden?

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Commercial Auto Insurance Options for Franchisees

Before delving into commercial auto insurance for franchised Olive Garden locations, it is important to note that there is no evidence online to indicate whether or not you would be asked to use your personal car or truck to make catered deliveries.

Bear in mind that franchised stores are required to comply with the Darden policies as representatives of their trademarks, but does this extend to insurance coverage? If you are expected to drive a company vehicle, read the company’s policy very carefully to see what is expected of you in a company-owned vehicle.

If your Olive Garden location provides a delivery vehicle, they will probably ask you to sign a document stating that you understand and will comply with their company policy.

Having said that, there may be a franchise or two out there who will occasionally ask an employee to run a delivery. In this instance, it would behoove the franchise to purchase what is referred to as non-owned insurance coverage. This insurance would require:

  • Vehicles and drivers to be listed on the policy or supplemental coverage.
  • Meeting state minimums on required insurance.
  • Clean driving records for listed drivers.

Not only should any company vehicles be properly insured by the franchise owner, but any non-owned vehicles which will be used should also be covered. Franchisees should guard against risk by always carrying at least state-mandated minimum coverage.

If you ask your employees to make deliveries, you can be held financially responsible for any accidents they are involved in, especially at-fault accidents if pertinent in your state.

The Simplest Answer Is Often the Best

Are you still asking, “Will my car insurance cover an accident delivering food for Olive Garden?” If so, you will find the simplest answer to be the best.

No, in most cases your personal car insurance will not cover an accident occurring while using your vehicle for work. That’s a plain and simple response and easily understandable. Another way of looking at it is to know that you have options that can be affordable, even for the average delivery driver.

Even so, you can purchase supplemental or standalone commercial insurance for food delivery that will cover you if your restaurant doesn’t provide coverage for non-owned delivery vehicles.

Yes, it is in your best interest to look carefully at your employer’s insurance to see if you are listed as a driver but it is also possible to find affordable coverage so that you can keep making those tips when delivering catered food.

If you are required to buy your own commercial insurance, compare rates between 3 or more companies to find the coverage and premiums best suited to your needs. Remember, personal car insurance rarely covers commercial conveyance so never get behind the wheel unless adequately insured. It’s the law!

References:

  1. http://www.olivegarden.com/delivery
  2. https://www.carnahanthomas.com/insurance-when-driving-a-company-car/
  3. https://www.business.com/articles/personal-auto-insurance-coverage-for-small-business-use-is-an-accident-waiting-to-happen/
  4. http://www.twc.state.tx.us/news/efte/driver_policy.html
  5. http://www.drivinglaws.org/topics/state-driving-laws
  6. http://www.insureuonline.org/insureu_type_auto.htm

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