For Consumers

Special delivery driver coverage during the COVID-19 pandemic

Insurance Commissioner Mike Kreidler urged all insurers doing business in Washington to immediately extend auto insurance coverage for personal delivery drivers to aid people temporarily assigned this duty during the coronavirus pandemic. Kreidler said his office would expedite review and approval of the endorsement filings so that affected delivery drivers can have coverage quickly. Read the news release.

Companies that have filed endorsements to allow additional coverage for delivery drivers

The following companies have extended coverage for delivery drivers during the coronavirus outbreak:

  • PEMCO.
  • Liberty Mutual.
  • Allstate Fire & Casualty Insurance Co.
  • Allstate Indemnity Co.
  • Allstate Insurance Co.
  • Allstate Property & Casualty Insurance Co.
  • American Family Life Insurance Co.
  • Encompass Indemnity Co.
  • Encompass Insurance Co. of America.
  • Esurance Insurance Co.
  • Grange Insurance Co.
  • Granwest Property and Casualty.
  • USAA.

Insurers that have always included the coverage in the standard policy:

  • State Farm.

A note about ridesharing and other commercial deliveries

The endorsement applies only to delivery drivers for retail and service operations during the pandemic and Washington state's Stay Home, Stay Healthy order. It doesn’t apply to people who drive for other commercial reasons, including rideshare or any commercial delivery businesses. The endorsement remains in effect as long as the emergency order is in place. 

If you are conducting delivery for a business during the state of emergency and aren’t sure if your auto policy covers you for that use, contact your insurer.