Pizza Hut Auto Insurance (Rates & Requirements)

Pizza Hut auto insurance coverage is required to deliver pizza for Pizza Hut. Your personal auto insurance policy will likely not be enough coverage in the event of an accident. To find the best Pizza Hut insurance you should compare quotes. You must purchase your own policy. Learn more about Pizza Hut driver auto insurance rates and find free auto insurance quotes below.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to remember...

  • Your personal auto insurance policy may not cover you if are in an accident while delivering pizzas for Pizza Hut
  • Delivery-for-fee exclusions exist in many personal auto insurance policies
  • Check to make sure you have the appropriate amount of auto insurance coverage before you get in an accident while out on delivery

Pizza Hut auto insurance coverage requirements are important to understand prior to working as a delivery driver. You may have questions. Will my auto insurance cover an accident delivering pizza for Pizza Hut? Do I need special insurance to deliver pizza for Pizza Hut?

Read on to learn all about Pizza Hut delivery insurance rates and coverage options.

Many auto insurance policies contain exclusions. Delivery-for-fee exclusions deny coverage for damages that arise from an insured’s use and operation of a personal vehicle to carry or deliver people or property for compensation.

Be sure you understand all auto insurance laws and rules before you start delivering pizzas. Failing to do so can pose a threat to your continued employment because you may not be a valid driver if you’re not adhering to all of the laws and rules.

Often, the language of each auto insurance policy is unique to the insurance carrier, but the intent of the exclusion clause remains consistent, and the vast majority of auto insurance policies contain similar exclusionary provisions.

Auto insurance carriers will often deny coverage when the insured gets involved in an automobile accident while delivering something for a fee, and this includes the pizza delivery driver who is working for a Pizza Hut location.

Looking for Pizza Hut driver insurance? Enter your ZIP code above to compare Pizza Hut auto insurance rates, and buy auto insurance.

Does the delivery-for-fee exclusion apply to me?

Ultimately, the effectiveness of a delivery-for-fee exclusion clause in an automobile insurance policy will vary by state and jurisdiction. Statutes and regulations that bear upon the subject influence the outcome of coverage in each jurisdiction.

However, often even in states with no-fault coverage, underinsured motorist coverage, or uninsured motorist coverage, auto insurance policies still include exclusions when the insured’s vehicle is used to carry the following for a fee, charge, or compensation:

  • persons
  • passengers
  • property

If you’re working as a Pizza Hut delivery driver, you will likely need to purchase additional business use auto insurance coverage. Or, at the very least, make sure that you are included on the company insurance policy as well as your vehicle.

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Will my personal auto insurance coverage be enough when I am working as a delivery driver?

Your personal auto insurance coverage will not be enough. Insurance companies do not want to take on the additional risk of covering you while you are making deliveries because there is an increased risk to your safety and you will ultimately be spending more time behind the wheel. To an insurance company, every single food delivery is a potential accident.

The most common way to retain auto insurance coverage is to add a business use policy to your coverage. This will ensure that you remain covered even while you are working.

Not sure if you need to add a business use policy to your auto insurance coverage? Check out the differences between business and personal auto use below.

Personal vs Business Auto Insurance Uses
Personal Auto InsuranceBusiness Auto Insurance
Driving to pick up lunch for you and your co-workersDriving to deliver food to paying customers
Driving to your job siteHauling tools and equipment to your job site
Going on weekend road tripsMeeting work clients and visiting job sites
Driving friends to the airportDriving paying customers to the airport
Using your car for business less than 3 times per monthUsing your car for business 500 miles a week or more
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As you can see Pizza Hut delivery drivers will need additional auto insurance coverage to stay covered while working. There are a lot of Pizza Hut delivery driver insurance options.

If I get paid an hourly wage will this change the delivery-for-fee auto insurance exclusion?

Unless restricted by a statutory provision, such as compulsory insurance, courts across the United States have upheld the delivery-for-fee exclusions in auto insurance policies.

The courts usually construe any ambiguous language against the insurance carrier, so often the delivery-for-fee exclusion is straightforward in each insurance carrier’s standard policy.

For example, in some jurisdictions, the courts have focused on whether the insured driver was an hourly employee, or the insured received a fee per delivery. Learn more about food delivery auto insurance.

Regardless of the type of Pizza Hut delivery driver pay, courts have generally sided with insurance companies in allowing them to exclude coverage

Some courts found the term “fee” or similar wording equivocal to an hourly employee, so the courts refused to apply the delivery exclusion to a delivery person who worked for Pizza Hut and received an hourly wage.

Do these auto insurance exclusions vary based on local laws?

The treatment of the word “fee” and similar wording is not consistent across the United States, and many courts reason that the delivery-for-fee exclusion does apply to an insured driver such as a Pizza Hut delivery driver.

The court’s reason that auto insurance carriers do not bargain for the risks associated with commercial use of a vehicle, such as the risk associated with a pizza delivery driver, when they write an automobile policy to cover the personal liability of the insured.

In response to some court rulings that were adverse to insurance carriers, many carriers responded by including both public or livery conveyance exclusions, as well as delivery of persons or property for fee exclusions.

The inclusion of these clarifies the ambiguity for courts by including scenarios where a driver would deliver for a fee per delivery and where a driver would receive an hourly wage while making deliveries.

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Which insurance company has coverage during deliveries?

In recent years, the treatment of pizza delivery drivers hasn’t varied much, with most jurisdictions across the country upholding delivery-for-fee exclusions against pizza delivery drivers.

Courts reason that not only is it unfair to impose liability on an insurance carrier who didn’t consider commercial use of a personal vehicle when the carrier wrote a policy, but it’s also unfair that an insurance carrier who covers a business like Pizza Hut should escape liability.

Courts in jurisdictions across the United States uphold deliver-for-fee exclusions because it’s also unfair to let an insurance carrier who covers a business like Pizza Hut shield itself behind a pizza delivery driver’s automobile insurance policy.

A Case Study

For example, in a case that made its way to an Ohio appellate court between two large and well-known insurance carriers, the court found that a deliver-for-fee exclusion did apply when a Pizza Hut delivery driver was involved in an automobile crash.

In that case, a Pizza Hut delivery driver borrowed a car from a family member, and the driver got into a car accident en route to deliver a pizza.

The issue was whether the personal vehicle insurance carrier was obligated to defend Pizza Hut when Pizza Hut had an insurance policy with a large insurance carrier.

In that case, the court focused on the fact that Pizza Hut charged customers a dollar for delivery, so the delivery-for-fee exclusion applied, and the insured driver’s insurance carrier did not have to defend or indemnify Pizza Hut or Pizza Hut’s insurance carrier.

Unless you deliver pizza in a jurisdiction where a regulation or statute preempts a deliver-for-fee exclusion, it’s likely that your auto insurance will not cover an accident while you deliver pizzas for Pizza Hut.

If you deliver pizza, it’s smart to comparison shop delivery driver auto insurance, and you should speak to an agent or do your research about the standard exclusions included in a carrier’s policy.

If I get into an accident will my auto insurance company cover me?

In the same way that any contracting party has the right to restrict liability under certain circumstances, an automobile insurance carrier has this same right.

The issues of whether or not a delivery-for-fee exclusion will get upheld, and whether the exclusions will allow your insurance carrier to deny coverage, usually comes down to whether the exclusionary language in the policy is express and definite in its restriction.

The courts will construe ambiguity against the insurance carrier, but most pizza delivery drivers will get denied coverage from their auto insurance carriers when they get in an accident while delivering pizza because they are using their vehicle to provide a service.

Compare auto insurance quotes today. Enter your ZIP code below to see affordable auto insurance rates near you.

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