Restaurant Insurance in the DoorDash Age
Restaurant Insurance in the DoorDash Age
Not long ago, if a restaurant offered delivery, it meant hiring a driver, insuring a vehicle, and taking responsibility for the food's journey to the customer's door.
That world is largely gone.
Today, more than 590,000 restaurants and food businesses have partnered with DoorDash alone, and the platform handles over 7 million orders every single day in the United States.1
Third-party delivery didn't just change how food gets to customers. It changed who carries the risk.
The shift happened fast.
DoorDash launched in 2013. By 2020, pandemic-era dining restrictions helped push delivery into overdrive, and order volume nearly tripled in a single year. Restaurants that once managed their own delivery fleets handed that responsibility to gig-economy drivers overnight. The overhead disappeared. But as any business owner knows, the cost didn't go away. It just shifted to another part of the balance sheet.2
Here's what restaurant owners need to think through with their insurance agent:
Outsourcing delivery removed a logistical headache but introduced risks many policies weren't built for.
If you haven't reviewed your coverage since adding a third-party delivery partner, reach out to your insurance agent and walk through your current policy with fresh eyes. The delivery landscape changed quickly. Take steps to help your coverage keep pace.
1. DemandSage.com, October 31, 2025.
2. Skillademia.com, April 7, 2025.
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