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 21, 2020

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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.

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Things to remember...

  • In most cases, personal auto insurance is insufficient when using your vehicle for pizza delivery
  • Round Table Pizza is a multi-state chain. Learn the insurance laws in your state
  • Regardless of the company you work for, proper auto insurance is your responsibility


Getting the best Round Table Pizza auto insurance coverage is important when delivering for Round Table Pizza. With more than 450 locations in the United States, Round Table Pizza employs literally thousands of pizza delivery drivers who need Round Table Pizza delivery driver insurance coverage. Learn all about requirements for Round Table insurance and how to find cheap pizza delivery driver insurance coverage online.

If you are contemplating working as a delivery driver for this company, it would be in your best interest to understand what will be required of you as a licensed driver, especially in terms of insurance coverage.

Make sure you have the best rate for the coverage you need by using our free quote tool above!

Before accepting that job as a delivery driver for Round Table Pizza, it’s important to learn the difference between commercial and personal insurance coverage and why there is a marked distinction between the two so you can find the best pizza delivery auto insurance.

Personal vs. Commercial Auto Insurance Coverage

Although each state has its own requirements in terms of mandatory car insurance, there are some constants throughout when comparing the differences between personal and commercial car insurance.

In most cases, commercial auto insurance will be somewhat more expensive than personal car insurance, but the difference in cost is understandable when you look at how cost is determined.

When calculating the cost of coverage, car insurance underwriters employ people called actuaries. These professionals are a specific type of statistician that calculates the amount of risk they will be carrying when providing auto insurance to their customers. They look at such things as:

  • The driver’s driving record.
  • What that vehicle will be used for.
  • How many miles it will be driven on an average.
  • Location.
  • Type of vehicle.

Those are just a few of the factors involved in pricing car insurance policies.

Please note the second and third bullet points. These two points are huge when it comes to understanding why the type of insurance you are covered by is of utmost importance when being employed as a Round Table Pizza delivery driver.

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The Type and Cost of Round Table Pizza Car Insurance Is Based on Risk

When comparing Round Table Pizza insurance quotes from an assortment of car insurance companies, the one consistency will be the subject of risk.

The reason you are required to purchase automobile insurance is to minimize the amount of risk to you, as the driver of your vehicle and to other drivers involved in an accident.

Most people cannot afford the costs associated with an accident, especially property damage and medical costs, so an insurance provider contracts with you to carry that risk.

You are buying insurance to safeguard you against what could amount to catastrophic losses. Yes, you may be required to pay a deductible if so stated on your policy, but the excess up to subscribed limits is payable by the insurer.

Moving on to the concept of risk, one of the main factors involved when driving as a pizza delivery person the number of miles you expect to drive annually in the course of your duties.

Round Table Pizza is clear on their qualifications. Delivery drivers must have:

  • Properly maintained vehicles.
  • Vehicles registered and properly insured in their state.
  • Autos which can be driven at least 100 miles per day.

The third bullet point is of primary significance. A big factor in risk affecting cost is the number of miles you average per year as well as the primary use of your vehicle.

The fewer miles you will be driving, the lower your risk for accidents will be. This is one of the main reasons why insurance for delivery drivers falls within the realm of commercial coverage. They will quite obviously be driving many more miles each day than the average driver.

The cost of automobile insurance is directly proportionate to the amount of risk your insurance company has agreed to take on.

Personal Auto Insurance vs. Commercial Insurance for Round Table Pizza Delivery

No matter how hard and long you search for auto insurance for pizza delivery drivers, you will find that auto liability insurance for delivery vehicles still falls solidly within the realm of commercial coverage.

Some of the larger insurance companies offer an evolving type of supplemental coverage for livery services, but even then, that coverage is considered commercial.

If you read your policy thoroughly, you will find the Livery Conveyance exclusion. The wording clearly states that transporting goods, including pizza and food, as well as passengers is a livery service.

Who is ultimately responsible for car insurance when delivering for Round Table Pizza?

In the end, no matter how you look at it, the responsibility to be properly insured is yours as a licensed driver in your state. You can’t claim ignorance if found at-fault in an accident in which you were uninsured or underinsured.

If you don’t carry the right kind and amount of insurance to operate a pizza delivery vehicle in your state it is the same as being uninsured.

Do a bit of comparison shopping to save money and get the greatest amount of coverage at the best rate. Bear in mind that drivers are required by law to know what kind of coverage they need.

Read your employment contract carefully. If Round Table Pizza provides a vehicle and does not have you listed as a named driver on their insurance you will need your own policy.

Failure to have the right insurance will result in not being covered in an accident. Make sure you have the best Round Table driver insurance coverage with our free quote tool below! Just enter your zip code and start comparing rates now!

References:

  1. http://www.360financialliteracy.org/Topics/Insurance/Cars-Auto-Insurance/State-by-State-Minimum-Coverage-Requirements
  2. https://www.bls.gov/ooh/math/actuaries.htm
  3. http://www.iii.org/article/what-determines-price-my-auto-insurance-policy
  4. https://www.glassdoor.com/Job/yreka-ca-delivery-driver-jobs-SRCH_IL.0,8_IC1146554_KO9,24.htm?src=GD_JOB_AD&t=EMPLOYER_SEARCH_RESULTS&ao=23480&s=21&rdserp=true&srs=EI_JOBS&jl=2539082317
  5. http://www.insurance.insureuonline.org/consumer_guide_auto_quick.pdf
  6. https://www.irmi.com/online/insurance-glossary/terms/p/public-or-livery-conveyance-use.aspx
  7. http://thelawdictionary.org/article/what-auto-insurance-covers-for-pizza-delivery/