Ten years ago, the foods that naturally came to mind when one thought about calling out for delivery were Chinese and pizza. The cost of hiring a full-time delivery driver often prevented restaurants from offering regular food delivery. Now, food from restaurants at every tier, from McDonald's to the Cheesecake Factory, is being delivered at an astounding rate by several on-demand food delivery services, such as GrubHub, DoorDash, and Uber Eats.

The ride-sharing economy has proven to be very lucrative over the last few years, with companies like Uber and Lyft claiming that their drivers can make over $20,000 a year driving full time. But along with the relatively good income, ride-sharing comes with longer trips and passengers, and high standards on the vehicle being driven. On-demand food delivery services offer an alternative for drivers who want to make money driving but who don't want to take part in ride-sharing, or who drive an older vehicle. Transporting meals, though, requires different insurance coverage than transporting people.

First, let's talk about basic coverage that Uber provides when participating as a ride-sharing driver. While the app is on but before a ride request has been accepted, the driver is covered for their liability to a third party if they are in an at-fault accident. When a driver is on their way to pick up a rider, and while driving that rider to their destination the driver is covered for third party liability coverage, uninsured or underinsured motorist bodily injury coverage, and contingent collision and comprehensive coverage. While using the car for personal use, no coverage is provided through Uber. The ride-sharing economy emerged earlier than the on-demand industry, and the risks are higher.