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Chicago Rideshare & Delivery Insurance

Rideshare driver in Chicago
Gig Driver Protection

Close the "Period 1" Gap Before It Costs You Everything

Protect your car and livelihood while driving for Uber, Lyft, DoorDash, or Grubhub. Your personal policy won't cover you—we will.

The App-On Gap Explained

The Three Periods of Risk

Period 1 (Waiting for a Ping): This is the danger zone. Uber/Lyft provide liability-only coverage with NO collision. Your personal policy? It denies ALL claims because the app is on. A fender bender here can bankrupt you.

Period 2 & 3 (En Route & Trip Active): You're covered by Uber/Lyft, but with a $2,500 deductible. Do you have that cash on hand?

MC Chicago Insurance closes these gaps so you can drive without fear.

Gig Driver Essentials

  • Rideshare Endorsement (Closes Period 1)
  • Deductible Reimbursement ($2,500 Gap)
  • Food Delivery Coverage (DoorDash/Eats)
  • Rental Reimbursement (No Car = No Income)
  • O'Hare/Midway TNP Compliance
  • Passenger Liability Protection
Get Your Rideshare Quote

Which Driver Are You?

The Side Hustler

Drive 5-10 hours a week? A simple Rideshare Endorsement is all you need. It's cheap ($15-30/month) and extends your personal policy to cover Period 1. Most carriers offer it—you just have to ask.

The Food Deliverer

Warning: Many standard rideshare endorsements cover passengers but EXCLUDE food delivery. DoorDash and Grubhub have different risks. We find carriers that specifically cover food delivery liability.

The Full-Timer

Driving 40+ hours? You may need a Hybrid Policy designed for high-mileage commercial use. Rapid depreciation and wear scare off standard carriers. We find options that keep you legal and protected.

The $2,500 Deductible Trap

Car accident scene in Chicago

Can You Afford a Crash Right Now?

Here's what Uber and Lyft don't advertise: If you crash with a passenger in Period 2 or 3, their insurance will pay to fix your car—minus a $2,500 deductible. Most gig drivers don't have $2,500 sitting in the bank. Without it, your car sits in the shop. No car means no income.

Our Deductible Reimbursement policies lower that to your standard $500 deductible, so a crash doesn't become a financial catastrophe.

Without Gap Coverage
$2,500 out of pocket. Car stuck. Income stops.
With Our Coverage
Pay your normal $500 deductible. Back on the road fast.
Rental Reimbursement
Get a rental car while yours is repaired. Keep earning.
Fast Claims
We advocate for you to get your claim processed quickly.

Chicago TNP Compliance

Get Legal. Stay Activated.

To drive legally for Uber or Lyft in Chicago, you need a City of Chicago TNP (Transportation Network Provider) Chauffeur License and the official Emblem displayed in your windshield. The apps require proof of valid insurance to activate your account.

We provide the instant "Proof of Insurance" documents you need to upload to the app and get activated—or stay activated after a policy change.

We Provide

  • Same-Day Insurance Docs: Upload to Uber/Lyft immediately.
  • O'Hare/Midway Compliance: Meet airport pickup requirements.
  • Policy Change Letters: If you switch carriers, we notify the city.
  • Uber Black/Livery Support: Higher coverage limits for premium services.

Chicago TNP Requirements

TNP License: Apply through the City of Chicago. Requires background check, vehicle inspection, and valid auto insurance with rideshare coverage.

Insurance Minimums: Illinois requires 25/50/20 liability, but Uber/Lyft may require higher limits depending on your vehicle class. We ensure your policy meets all platform requirements.

Don't Lie to Your Carrier

Platforms We Cover

  • Uber / Uber Eats
  • Lyft
  • DoorDash
  • Grubhub
  • Amazon Flex
  • Instacart

What's NOT Covered

Vomit/Cleaning Fees: That $150 cleaning fee from a sick passenger? That's on you. Insurance doesn't cover it.

Uber Black Without Livery: Premium services require commercial livery insurance, not just a rideshare endorsement.

Personal Belongings: A passenger steals your phone charger? Not covered. Consider a dashcam.

Food vs. People: Know the Difference

Transporting a Burrito ≠ Transporting a Person

Here's what most drivers don't realize: While Uber and Lyft provide substantial coverage when you have a passenger, DoorDash often provides ZERO liability coverage while you're waiting for an order or driving to pick one up.

Food delivery apps assume less risk because there's no passenger injury liability. But that means you carry more risk. A standard rideshare endorsement may not cover food delivery at all.

Uber/Lyft: Period 1 Gap DoorDash: Often NO Coverage Our Solution: Full Gig Coverage

Bottom Line: Do not drive food delivery without a specific endorsement that names food delivery as a covered activity. We find carriers that cover both passengers AND food.

Our Food Delivery Coverage Includes

  • Liability while waiting for orders
  • Collision during pickup & delivery
  • Comprehensive (theft while parked)
  • Uninsured motorist protection

Specialized Gig Coverage

Rideshare Endorsement

The simple, affordable add-on that closes Period 1. Starting at $15/month.

Deductible Gap Cover

Reduces Uber/Lyft's $2,500 deductible to your standard $500.

Food Delivery Policy

Specific coverage for DoorDash, Grubhub, and Uber Eats drivers.

Rideshare Insurance Questions

No. The moment you turn on the Uber or Lyft app, your personal auto policy considers you engaged in "business use"—which is excluded. If you get into an accident while waiting for a ride request (Period 1), your personal insurer will deny the claim. You need a rideshare endorsement to close this gap.

A rideshare endorsement typically costs between $15-$40 per month, depending on how many hours you drive and your driving record. For the protection it provides—closing the dangerous Period 1 gap—it's one of the best investments a gig driver can make. Full-time drivers may need hybrid commercial policies that cost more but provide comprehensive protection.

Period 1 is when your rideshare app is ON, but you haven't accepted a ride request yet—you're waiting for a "ping." This is the most dangerous coverage gap. Uber/Lyft provide only liability coverage (not collision), and your personal insurance denies all claims because the app is on. A simple rideshare endorsement closes this gap.

Not always. Many standard rideshare endorsements specifically cover "passenger transportation" but exclude food delivery. DoorDash and Grubhub provide minimal coverage compared to Uber/Lyft. We work with carriers that specifically cover food delivery activities—just tell us which platforms you use, and we'll find the right policy.

If your insurer discovers undisclosed rideshare activity—through a claim investigation, odometer check, or accident report—they can cancel your policy immediately for material misrepresentation (fraud). You'll be flagged as high-risk, making future coverage expensive and difficult to find. It's not worth the risk. Disclose your gig work and get proper coverage.

When you have a passenger (Period 2 or 3), Uber and Lyft provide collision coverage for your vehicle—but with a $2,500 deductible. If you crash, you must pay $2,500 out of pocket before their insurance kicks in. Most gig drivers can't afford this. Our deductible gap coverage reduces this to your standard $500 deductible.

Chicago airports require you to have a valid TNP (Transportation Network Provider) license and proper insurance documentation. We provide the instant proof of insurance documents you need for airport compliance. For Uber Black or premium services, higher coverage limits may be required—we can help you meet those requirements.

Yes, but Amazon Flex is considered commercial delivery work, similar to DoorDash. Standard personal policies exclude it, and not all rideshare endorsements cover package delivery. We find carriers that specifically cover Amazon Flex and other delivery platforms. Tell us all the apps you use so we can ensure complete coverage.

For gig drivers, your car IS your income. If it's in the shop for repairs, you can't work. Rental reimbursement coverage provides a rental car while yours is being fixed, so you can keep driving and earning. For full-time drivers, this coverage is essential—a week without income can be financially devastating.

Yes, but you need to disclose ALL platforms you drive for. Coverage requirements differ between passenger rideshare (Uber/Lyft) and food delivery (DoorDash/Grubhub). We'll find a policy that covers all your gig activities—just be upfront about everything you do. Multi-app drivers often need broader coverage than single-platform drivers.

Protect Your Gig. Protect Your Income.

Don't wait for a claim denial to find out you're not covered. We'll close your coverage gaps today.

(224) 616-9430 Get Rideshare Quote

Serving Chicago Gig Drivers from 3945 W Devon Avenue