Auto coverage for home health care workers, delivery workers and volunteers

Most personal auto insurance policies won't cover you if you're getting paid to use your own car to transport people or property for business purposes.

You'll need to buy a business or commercial auto insurance policy if you:

  • Are a health care worker or volunteer who occasionally uses your own car to take clients to appoints; or
  • Use your own car to deliver flowers, newspapers, parcels, pizzas, etc.

Make sure you have the right auto coverage

Because insurance coverage varies from company to company:

  • Always check your insurance policy to see what it does and doesn’t cover.
  • Contact your agent or insurance company if you have questions about your coverage.

Updated 07/11/2014

See also

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