Note 01Coverage Basics · 4 min read
Personal vs. Commercial Use
Where insurers commonly draw the line between everyday driving and on-demand delivery work.
For informational purposes only. Gig Driver Notes is not an insurance company, agent, broker, or marketplace, and nothing on this page is insurance advice.
Most personal auto policies are written for personal use: commuting, errands, and the occasional road trip. The moment a car starts taking paid orders, the activity often shifts into a category insurers describe as commercial or business use.
This note walks through how that distinction is usually framed, why it matters for claims, and the kinds of questions a driver might bring to a licensed professional when they start picking up gig work.
We end with a short checklist of things drivers tend to overlook — like reading the exclusions page of their policy — before they start delivering full time.
Keep reading
Note 02
Mileage Changes That Matter
Why your annual mileage estimate matters and what tends to shift when you start picking up gigs.
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Note 03
Coverage Gap Basics
The kinds of gaps that frequently show up between a personal auto policy and gig-app coverage.
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Note 04
Reading Your Declarations Page
A short tour of the policy document drivers actually receive, in plain English.
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