Q: How are independent contractors such as delivery drivers covered by insurance?
It will vary. You have to look at what the policy says and how it’s written. It always depends on what the insurance policy was purchased for and whether that applies to them.
If you’re an independent contractor, there are there are a lot of considerations that go into the analysis of whether or not it is a worker’s compensation claim.
There is also a test of whether or not, even if you are classified as an independent contractor, whether you really are an independent contractor or not, based on the relationship.