Olive Garden Delivery Auto Insurance: Rates & Requirements (2026)

While Olive Garden doesn’t deliver their normal menu, they may offer catering delivery. If you’re asked to make a delivery, you may be wondering about Olive Garden delivery auto insurance.

Will you be covered in an accident? Who is responsible for providing auto insurance? Do you need to purchase commercial auto insurance? We’ll answer these questions below.

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Does Olive Garden provide auto insurance for delivery drivers?

This is not a simple yes or no answer. It may depend on whether you’re driving a company-owned or personal vehicle and at which location you’re working.

Company-owned vehicles will often be covered by Olive Garden’s auto insurance, but you may also need to sign a document that outlines when you or the company will be held responsible for damages caused in an accident.

If you are asked to make deliveries in your personal vehicle, you should understand who will be held accountable in the event of a collision during your delivery.

Some franchise locations may have non-owners insurance, which would list you and your personal vehicle on the policy to make sure you are covered during deliveries. This insurance would be required to meet the state’s insurance requirements, and you would need a clean driving record.

If your location doesn’t offer insurance, you should understand your personal auto insurance policy to know if you would be covered during work activities.

In most cases, Olive Garden delivery drivers are employees, but if you are an independent contractor, the law for independent contractor delivery driver auto insurance will depend on your state. You will most likely be held completely responsible for understanding and meeting insurance requirements.

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Will my personal auto insurance cover me?

Personal auto insurance providers often find delivery drivers, and others who drive for work, to be higher risk than people who just have a normal commute to and from work. Therefore, they most likely will not cover you if you are in an accident while making deliveries.

Since the rates of self-employed individuals, such as drivers for Instacart or Doordash, are growing in number, some auto insurance companies are beginning to offer a limited amount of business driving.

You should let your insurance provider know you are making deliveries and ask what its business-use policy is. If you do not let your provider know about your occupation, you may risk having claims denied or having your coverage canceled.

Do I need commercial auto insurance to be a delivery driver?

Commercial auto insurance may be a good option for those who are making deliveries full time. However, it may be more expensive than a personal auto insurance policy. Always compare auto insurance to ensure you get the best price for you.

Another option for someone who is making deliveries part-time or less may be a business-use add-on through your personal auto insurance policy. If a limited amount of business time is not already included in your policy, this add-on may do the trick for an additional cost.

Conclusion: Olive Garden Delivery Auto Insurance

Olive Garden may offer coverage for delivery drivers using company-owned vehicles, but it becomes more complicated for those using their personal vehicles. Your Olive Garden location may offer non-owners insurance that would cover you during work activities.

If your location does not offer insurance, you should fully understand your personal auto insurance policy. You may need to purchase a business-use add-on or commercial auto insurance to make sure you’re covered during deliveries.

If you need help finding affordable auto insurance quotes in your area, enter your ZIP code into our free quote comparison tool below. Find out which auto insurance company is best for you.