Occupational Accident Policy FAQ
Occupational Accident Policy FAQ - US DASHERS ONLY
CAVIAR COURIERS: You are covered by DoorDash’s Occupational Accident Policy as of December 1, 2019.
We recognize you can offer your delivery services on a variety of different platforms. DoorDash is committed to enhancing Dashers’ economic security while preserving the openness and flexibility our platform provides.
What is covered under the occupational accident policy?
If you suffer an injury while making a delivery with DoorDash, you may be eligible for coverage.
Dashers do not need to sign up or enroll for occupational accident insurance. There are no premiums, deductibles, or co-pays.
Occupational accident insurance offers several important protections for Dashers involved in covered accidents:
Medical expenses: Up to $1,000,000 with no deductible or co-pay
Disability payments: 50% of average weekly wage up to a maximum allowance of $500.00 per week minus other income
California residents: Please see the schedule of benefits
Frequently Asked Questions:
Q: Am I covered under the occupational accident policy?
A: Beginning June 27, 2019, all U.S. Dashers will automatically be eligible for occupational accident insurance coverage (subject to the policy terms, conditions, limitations and exclusions).
Q: Do I have to sign up or enroll to be covered?
A: No enrollment is required. Dashers are free to obtain additional insurance coverage from another source as they see fit.
Q: Do I need to pay for this coverage?
A: No, there is no cost to Dashers.
Q: My bike or car was damaged in an accident, does occupational accident insurance cover that?
A: No. Occupational accident insurance does not cover damage to your bike or car. This is injury coverage only for Dashers.
Q: Will this policy cover me if I'm not able to make deliveries?
A: U.S. Dashers may be eligible for disability payments of up to $500 per week for injuries due to a covered accident.
Q: I was injured delivering with another competing service; will this policy cover that?
A: No. This policy only covers U.S. Dashers while making a delivery with DoorDash.
California - if you are signed onto the Platform and not making a delivery, there may be provisions that apply when not making a delivery.
Q: I suffered an injury while making a delivery with DoorDash; how do I file a claim?
A: If the injury occurred on or after June 27, 2019, please file a claim using the below reporting option:
July 1st, 2020 - Current Date
Online: www.bluestarclaims.com (complete intake and claim forms to start your claim).
Phone: (480) 579-2405 (Available 24/7/365)- Dedicated to DoorDash
Email: [email protected] (indicate availability, leave your phone number for a callback, or request claims forms to be sent to expedite the claim process).
All coverages are subject to the policy terms, conditions, limitations, and exclusions. If there is a conflict between the information shown here and the actual insurance policy, the policy will govern. Two different insurance companies underwrite the policy: Effective June 27, 2019, the policy is underwritten by Atlantic Specialty Insurance Company and placed by Aon (Aon Risk Insurance Services West, Inc – CA License # 036334). Effective July 1, 2020, the policy is underwritten by United State Fire Insurance Company and placed by Aon (Aon Risk Insurance Services West, Inc – CA License # 036334). Effective December 16, 2020, (CA only) – the policy is underwritten by United States Fire Insurance Company and placed by Aon (Aon Risk Insurance Services West, Inc – CA License # 036334). The above information is specific to the policies in effect from July 1, 2020, to the current. Specific policy and coverage questions need to be discussed directly with the associated carrier. DoorDash is not an insurance provider and is not performing any insurance services
