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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.

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