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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jan 8, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to remember...

  • Delivery-for-fee exclusions in automobile insurance policies
  • How delivery-for-fee exclusions can vary by state and jurisdiction
  • A Pizza Hut pizza delivery driver’s auto insurance policy likely won’t cover his or her car accident

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

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 an insured gets involved in an automobile accident while delivering something for a fee, and this includes the pizza delivery driver who is working for Pizza Hut.

The language will vary between carriers, and this is an area where comparison shopping for coverage could greatly benefit you as a driver.

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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

Very likely, the answer is no. 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.

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
Get Your Rates Quote Now

Compare RatesStart Now →

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 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 ambiguous to an hourly employee, so the courts refused to apply the delivery exclusion to an insured like a delivery person who worked for Pizza Hut and received an hourly wage.

Do these auto insurance exclusions vary based on local laws?

However, 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 the insurance carriers 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 both exclusions 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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Which insurance company has coverage during deliveries?

In recent years, the treatment of pizza delivery drivers, such as an insured driver who uses a personal vehicle while delivering for Pizza Hut, 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 to 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 Pizza Hut delivery driver auto insurance coverage, and you should speak to an agent, or do your research about the standard exclusions included in a carrier’s policy.

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

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

The issues of whether or not a deliver-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 absent actual ambiguity most pizza delivery drivers will get denied coverage from their auto insurance carriers when they get in an accident while delivering pizza for Pizza Hut or any pizza company.

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