You need to get a rider for the times you deliver pizza.

Try Progressive Insurance

The correct type of policy is a commercial automobile policy. In my area the minimum cost for a private passenger type vehicle is $1400 per year for liability only. Obviously the cost is high. However there are some advantages–the cost would be deductible as a business expense for one. In addition you would not have to be hoping that you won’t have an accident while under your personal automobile policy–which I can assure you would not be covered if the company discovered you were using the vehicle at the time of an accident to deliver pizza. Further if you have an at fault accident and are subsequently sued, I can assure you that this information will be uncovered during discovery which will result in your company denying liability and your being hung out to dry!!

What Tadd is suggesting is actually insurance fraud. Anytime you fail to provide your insurance company with information that is material to your application for insurance or fail to provide them with all the information involving a claim–you are committing fraud!

My advice–if you want this job is to purchase a commercial automobile policy and give yourself some peace of mind. Further fyi Progressive specifically asks if you do pizza delivery or delivery of any type on their application. Progressive will not cover this under the personal automobile policy but will under their commercial automobile policy.

I hope this helps. Good Luck