No. Domino’s does not cover its delivery drivers’ personal auto insurance. Because almost every Domino’s store is run by an independent franchisee, drivers are required to carry their own personal auto policy, and the franchise typically carries a separate commercial liability policy that protects the business, not the driver’s car. Those two layers do not add up to full protection, and the gap between them is where delivery drivers get hurt financially.
What the Franchise’s Insurance Actually Covers
Domino’s operates almost entirely through franchisees. Job postings state plainly that “the independent franchisee will be your only employer, and you will not be an employee of Domino’s.”1Domino’s Careers. Delivery Driver The franchisee decides what insurance to buy for the business.2Domino’s Careers. Delivery Driver 4344
The policy franchisees commonly carry is called Hired and Non-Owned Auto, or HNOA, liability coverage. It protects the franchise when an employee causes an accident using a personal vehicle during work, paying bodily injury and property damage claims against the business along with legal defense costs. It acts as supplemental protection when a driver’s personal policy excludes business use.3Complete Markets. Hired and Non-Owned Auto Liability Dominos Pizza Franchisee Program Insurance
Here is the part drivers often miss: HNOA does not pay to repair or replace the driver’s own vehicle. It is liability-only coverage for the business. One specialized program for pizza and restaurant delivery operations offers primary limits up to $5 million, available in every U.S. state except Louisiana, but the required limits a specific franchise carries depend on its franchise agreement and local rules.4Amwins. Pizza and Restaurant Delivery3Complete Markets. Hired and Non-Owned Auto Liability Dominos Pizza Franchisee Program Insurance
What Drivers Have to Carry Themselves
Every Domino’s delivery driver job listing requires applicants to have a personal vehicle with current insurance. One posting tells drivers to “maintain minimal or higher insurance coverage as mandated by state law.”2Domino’s Careers. Delivery Driver 4344
State-minimum personal auto insurance is where the problem starts. Standard personal policies are written for private use, and most contain a livery or business-use exclusion that denies coverage when the vehicle is being used to transport goods for a fee.5U.S. News. Car Insurance for Delivery Drivers If an insurer finds out, after a crash, that the car was being used for delivery, it can deny the claim outright, leaving the driver personally on the hook.6Frost Insurance Agency. The Delivery Exclusion on a Personal Auto Policy Courts have backed insurers on this. In Husted v. Dobbs, the Michigan Supreme Court held that insurers may legally deny coverage based on commercial use of the vehicle.7Michigan Auto Law. Car Insurance for Delivery Drivers
Where the Coverage Gap Opens Up
The two policies are supposed to work in sequence. The driver’s personal insurer handles the claim first; the franchise’s HNOA policy sits above it as supplemental or excess coverage when the personal policy falls short.3Complete Markets. Hired and Non-Owned Auto Liability Dominos Pizza Franchisee Program Insurance That sequence breaks when the driver never told their personal insurer about the delivery work. The personal policy denies the claim, and the franchise may end up carrying the full liability. The franchise can then turn around and sue the driver for the shortfall.8SpeedLine Solutions. Delivery Drivers Insurance Coverage
From the driver’s side, the bigger problem is damage to their own car. HNOA does not pay for it. Personal collision and comprehensive coverage can be denied under the business-use exclusion. Unless the driver has bought a commercial endorsement or a commercial policy, the repair bill is theirs.
How Drivers Can Close the Gap
Several major insurers sell products built for exactly this situation.
- Rideshare and delivery endorsements added to a personal policy. Progressive offers a rideshare endorsement that, in most states, extends to food delivery platforms like Uber Eats and DoorDash. State Farm’s Transportation Network Company endorsement adds roughly 15 to 20 percent to a personal premium. Geico, Allstate, USAA, Farmers, and Nationwide also offer endorsements or commercial options.9Progressive. Rideshare Insurance10State Farm. Rideshare Coverage5U.S. News. Car Insurance for Delivery Drivers
- Commercial auto insurance. Progressive Commercial sells a pizza delivery-specific policy that covers losses personal policies typically exclude. Cost depends on the vehicle, location, driving record, and coverage level.11Progressive Commercial. Pizza Delivery Insurance
- Rough price range. The Zebra reports an average auto insurance rate for delivery drivers of $150 to $165 per month.12Grubhub Driver Blog. Delivery Driver Insurance Guide
Insurance professionals urge drivers to tell their personal insurer, in writing, that they do delivery work. Not disclosing it risks a denied claim or outright policy cancellation if the insurer finds out after a crash.6Frost Insurance Agency. The Delivery Exclusion on a Personal Auto Policy
What Happens If a Driver Is Hurt on the Job
Domino’s delivery drivers are generally employees of the local franchisee, not independent contractors.1Domino’s Careers. Delivery Driver A driver injured in a crash while on a delivery is typically eligible for workers’ compensation, which pays medical expenses and partial wage replacement.13David and Associates Law. I Got in a Wreck Delivering Pizza, Can I Get Workers Compensation
Workers’ comp is limited. It does not cover the full amount of lost income, pain and suffering, or damage to the driver’s personal vehicle. If another driver caused the crash, an injured delivery driver can also pursue a claim against that driver, but cannot collect duplicate compensation for the same losses from both sources.14The Hartman Law Firm. Who Pays When a Delivery Driver Is Injured on the Job Report the accident to the employer right away; most states require notice within three to four days to preserve workers’ compensation eligibility.15For the People. Pizza Delivery Workers Rights, Injuries, and Wage Theft
Why the Franchise Cares What You Carry
If a Domino’s driver causes a serious crash, injured parties routinely sue the driver, the franchisee, and the Domino’s parent corporation. Under respondeat superior, an employer is vicariously liable for an employee’s negligence within the scope of employment, and a driver actively making a delivery is almost always within that scope.16Guerra LLP. Respondeat Superior: When Can I Sue the Employer of a Tortfeasor Verdicts in these cases have reached eight figures: $10 million in a Florida wrongful death case,17Orlando Sentinel. Dominos Pizza Wrongful Death Lawsuit Ends With $10M Jury Award $32 million in a Texas case involving worn tires,18Forbes. $32M Dominos Delivery Verdict Says You Should Know Whos Delivering Your Pizza and over $2.3 million in a 2025 Pennsylvania case where a delivery driver’s left turn cost a motorcyclist his leg.19Pennsylvania Superior Court. Coryell v. Dominos Pizza LLC, 2025 PA Super 28
The practical point for a driver: the franchise has real money at risk on every shift, which is why it demands you carry personal insurance and why a hidden business-use exclusion in your policy is dangerous for both of you. Buying the right coverage, and telling your insurer what you actually do with the car, is the only way to keep the layered system working the way it is supposed to.