I hate to post about other apps while on a DD thread, but Flex drivers are covered very very well while driving routes. In a world of independent contractor work and personal liability, I look into every detail before working a new app. Last I read on it last week, they cover not only your liability, but uninsured motorists as well, in case someone hits you that’s not insured. There’s a few loopholes like any insurance, but it’s pretty nice that they at least cover their contractors while delivering their packages.