This article is a complete guide to Postmates Insurance that every Postmates driver should read at least once. I choose to write this article because once again Postmates shows to be a driver friendly company. In fact since October 1, 2019 Postmates partners with OneBeacon and offers to every Fleet driver an occupational insurance for injuries in addition of the general liability insurance. In a recent interview Bastian Lehmann, cofounder and CEO of Postmates, said: These new benefits are just the beginning. But we won’t be satisfied until all Postmates – and all gig workers across the sector – have the protections and opportunities they deserve. We’re going to keep working with our fleet members, other companies, labor unions, and policymakers to make that bigger, bolder deal for gig workers a reality. This journey starts now.”
This is the first important point to understand. Postmates driver are independent contractors. The coverage applies to injuries and accidents while you are on active delivery. But, what is an active delivery? You are considered on active delivery from the time you accept a delivery request until the time your customer receives their order. What does it mean? If you are in mode off, your personal insurance is your insurance policy. If you are online but you didn't accept a delivery request, your personal insurance is still your insurance policy.
It is important that you understand exactly what the policy does, what are the benefits and what is covered. Postmates has two kind of insurance.
Postmates excess auto insurance does not replace your personal insurance and you will need to maintain personal insurance to deliver for Postmates with insurance limits equal to or greater than the minimum requirements for the state where you drive. This policy will protect Postmates couriers in case of an accident with up to one million dollars in coverage. Here is a quick look at what Postmates insurance covers:
The Postmates Occupational Insurance is an insurance option that provides Postmates drivers a degree of protection should an injury or an accident occur during an active job.
Postmates occupational insurance covers medical and lost income with an amount up to the policy limits. The coverage offer the following important benefits and protections :
These coverages are available in all states in the U.S., in all the cities where Postmates is available.
No enrollment is required. Every Postmates driver will automatically be eligible for occupational accident insurance coverage since October 1, 2019.
Postmates insurance and occupational insurance are FREE. They are a benefit that Postmates offers to all the members of the Fleet.
You can take a look at our complete guide on how to handle an accident while driving Postmates. Basically, in case of an accident you have to follow these steps:
So, to become a Postmates driver , you need to maintain your personal insurance. What does your insurance company think about it? Mostly all the personal car insurance policies contain a clause that specifically excludes using your vehicle for commercial activities. Driving for Postmates is a commercial activities because you are using your car for business purposes. If you have an accident while you are online in the Postmates Fleet App, your insurance agent can tell you that you’re not covered and that using your vehicle for commercial purposes you will invalidate your policy, even for personal use. The only way to be fully protected is to carry a commercial insurance policy. Our advice is to call your insurance agent before you start driving for Postmates.
Postmates has built a partnership with Stride insurance. If you want to learn more about the Postmates healthcare perks and benefits, take a look to our guide to postmates health insurance and Tax.
Postmates provides insurance to cover liability, injuries and certain other types of damage + occupational insurance for drivers. #postmates #postmatesDriver #postmatesFleet
Understanding the details of insurance policies can be frustrating. I hope this guide helped you understand how does Postmates insurance work.
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