Do I Need Insurance for DoorDash in Manitoba?

Yes. Manitoba DoorDash car couriers need valid Autopac with the actual delivery use correctly classified. Pleasure use does not permit business deliveries. Review the applicable day/distance rules, physical-damage and liability protection, rental exclusions, and your separate PIPP/WCB status and election questions.

Before You Deliver in Manitoba

Keep Your Own Autopac and the Correct Delivery-use Classification

Yes. A Manitoba DoorDash car courier needs valid vehicle insurance and an insurance-use classification that permits the actual delivery work. MPI’s vehicle-use rules distinguish pleasure, all-purpose and common-carrier passenger use; they do not treat all personal policies as interchangeable. DoorDash’s Canadian contract separately requires the courier to maintain the required insurance. Tell an Autopac agent that you will deliver for DoorDash and any other apps, identify the car and drivers, and explain your intended delivery days, distance and territory. Obtain confirmation of the correct use on the certificate before the work begins. The actual vehicle and insurance-use definitions determine the required classification for your Manitoba delivery operation. A current insurance card is necessary evidence of insurance, but does not by itself establish that the declared use matches paid deliveries. 1,2,27

The Four-day Rule Is Not a Pleasure-use Delivery Allowance

MPI says a pleasure passenger vehicle cannot be used for business. Its limited commuting allowance concerns travel to work or school, not carrying DoorDash orders. The Plan Regulation’s pleasure definition likewise excludes use in connection with a trade, business or occupation. Separately, the local common-carrier passenger definition concerns courier or other business delivery use more than four days in one month or more than 1,609 kilometres in an annual rating term or registration period. Those are different rules serving different classifications. Do not start delivering on pleasure insurance because you expect only two shifts that month. Ask the agent whether all-purpose or another appropriate use applies to your actual operation, and have the certificate changed when needed. Delivery is the paid activity itself; describing it as merely driving to a workplace would hide the fact the agent needs to classify. 1,2

Day and Distance Thresholds Need Separate Tracking

For the stated local passenger-car definition, the day and distance conditions are alternatives. Five short delivery days in one month can trigger the day condition even if the distance is low. Four delivery days a month at 40 delivery kilometres per day total 1,920 kilometres over twelve months, exceeding the annual distance condition even though each monthly day count is four. These are examples of how the two thresholds operate, not a determination that a particular certificate permits every activity below them. Keep delivery records across all apps and confirm the start and end of the applicable rating term or registration period; an annual period need not be the calendar year. Ask how MPI counts a day with brief activity, mixed personal/business travel and other delivery work. Also check the correct category for a truck, van or operation outside the local description instead of forcing every vehicle into the passenger-car example. 2,1

The Declared Use Must Match the Work

The Coverage Regulation contains a declaration-of-use condition in section 58 within its all-perils framework. MPI’s guide also warns that the right use, vehicle information and driver details matter to protection. Keep the owner’s certificate, current payments, use classification, selected optional cover and any written agent instructions together. If the delivery pattern grows, change the classification before relying on the old arrangement beyond its permitted scope. A platform screenshot showing an accepted insurance document does not amend MPI’s contract or establish that the correct premium was charged. Ask which changes must be reported, when the revised use becomes effective and how a claim during the transition would be treated. The classification question is separate from fault: a driver who did not cause the collision still needs the insurer to assess the actual policy conditions and claim route. 3,4,1

DoorDash’s Canadian Contract and Insurance Summary

Keep the Required Insurance and Renewal Evidence Current

The Canada-English agreement’s body is marked Last Updated July 17, 2026. Section 10.1 requires current insurance of the amounts and types legally required for the contracted services, at the courier’s expense, and treats failure to maintain satisfactory cover as a material breach and potential termination ground. It expressly leaves workers’ compensation to section 10.3. Section 10.2 requires certificates on request, updated certificates when cover is purchased, renewed or changed, and at least thirty days’ written notice before cancellation of a required policy. Compare this posted agreement with the version you accepted and later addenda. Keep the vehicle policy and app evidence current before the next shift. DoorDash’s Canadian auto summary independently says you must maintain primary auto insurance; an excess program does not replace it. The workplace provisions need their own provincial reading below. 27,28

Canadian Excess Liability Has Important Conditions

DoorDash’s international section, expressly including Canada, describes excess third-party auto liability during the defined Delivery Service period. It says consideration of cover requires that the Dasher be liable for another party’s injury or damage during that period and that a claim first be made under the Dasher’s own auto policy with a coverage-denial letter received. Treat this as the company’s published account of its Canadian excess program, subject to the actual policy. It does not establish first-dollar coverage for every claim, a particular provincial or territorial dollar limit, protection while merely waiting for an order, or payment for all activities with the app open. Preserve the order and app-status records needed to identify the period. Ask DoorDash or the insurer for the current applicable wording, insurer, limit, covered vehicles and reporting procedure. An excess-policy description does not replace the primary insurance and disclosure duties in the contractor agreement. 28,27

DoorDash’s Liability Summary Does Not Insure Repairs to Your Car

The Canadian section expressly says damage to the Dasher’s own vehicle is the driver’s responsibility and should be addressed with the auto insurer. Its third-party liability description concerns injuries and damage owed to someone else. The Canadian occupational accident program is also injury protection, not vehicle-damage insurance. If you cause a collision while delivering and your car needs repairs, neither summary establishes a platform-funded collision benefit for that car. Ask your insurer about permitted delivery use under the physical-damage protection available for delivery use in your province or territory. Also ask about the deductible, valuation and loss-of-use protection before relying on the car for income. A document showing substantial liability coverage may still leave you with an uninsured repair bill. This distinction applies even when an accident involves a customer’s order: the presence of goods in the car does not turn liability to other people into protection for your own vehicle. 28,29

Report App-Related Incidents Promptly and Cooperate

Section 10.4 of the posted agreement asks for notice to DoorDash or its carrier of an occurrence, dispute, incident or accident while logged in, or immediately before or after logging in or out, within forty-eight hours where practicable. It also requires cooperation with the insurer’s investigation of the event and surrounding moments. This contractual notice sits alongside your own insurer’s reporting requirements. Report accurately and promptly rather than waiting to find out who is ultimately responsible. Keep the incident time, order identifier, accepted and completed status, other active apps, vehicle details, photographs and the correspondence you receive. Do not manufacture a denial letter or describe a delivery as personal use to fit a hoped-for policy. A support ticket establishes that you contacted support; it is not itself a coverage decision or a waiver of the applicable insurance conditions. 27,28

Read the Canadian Workplace Provisions by Province

Section 10.3 says DoorDash maintains workers’ compensation insurance in Canada where, when and to the extent required by law. The Canada-specific section 24.1(b) expressly says DoorDash registers and pays premiums for contractors performing services in Manitoba, British Columbia or Saskatchewan and that those contractors are eligible to claim from the applicable provincial board. This is the company’s account of its arrangements, not a decision accepting a particular injury or resolving every statutory status question. For those provinces, ask how the registered coverage applies to your actual work. Elsewhere, do not infer either automatic enrolment or absence of a legal obligation from the three-province list. Use the local board’s rules and determination for your relationship and activity. 27

Your Car, Liability and Replacement Transportation

MPI’s Basic Liability Limit Is Not a DoorDash Fleet Limit

MPI’s current basic-liability page describes up to $500,000 for covered third-party claims. It distinguishes damage to vehicles or property in Manitoba from injury and property claims outside Manitoba but within Canada and the United States. It also identifies conditions such as the owner’s permission and a legally qualified driver. This is MPI’s basic insurance description, not the amount of an issued DoorDash excess contract. Ask whether your chosen liability amount is suitable for the delivery exposure and any trips outside the province, and what higher protection you have actually purchased. The amount on a certificate does not remove use restrictions, exclusions or the need for accurate disclosure. Keep the liability question separate from repairs to your own vehicle and from public injury benefits; a large third-party limit is not an unlimited fund for all losses after an accident. 21,4,28

Basic Autopac Can Include Your Car’s Physical Damage

Manitoba’s basic arrangement differs from simply buying liability and then assuming collision must always be a separate add-on. MPI’s guide describes basic all-perils protection for eligible vehicles, including collision, upset and other accidental losses such as theft, vandalism, hail and fire. The Coverage Regulation supplies the operative conditions and exclusions. Confirm that your vehicle has that protection, that the delivery use is correctly classified and that no relevant exclusion applies. DoorDash’s statement that its auto summary does not pay for damage to the courier’s car does not mean a properly insured Manitoba car has no physical-damage protection. It means the driver must identify the applicable MPI or other purchased cover. Ask about the deductible, insured value, equipment and exceptions for other vehicle classes before treating the basic description as your personal claim decision. 4,3,28

A Repaired Car and a Paid-off Loan Are Different Outcomes

The basic guide describes pre-incident-condition repairs and actual-cash-value treatment for a total loss, with applicable deductibles, depreciation and insured-value limits. The Coverage Regulation similarly addresses the deductible and valuation conditions. A loan balance or the price of a desired new replacement is not automatically the amount the insurer owes. Ask which deductible applies to your classified vehicle and whether optional cover changes the result for the relevant peril. Keep photographs, equipment details, service records and comparable-vehicle evidence where value is disputed. MPI’s appraisal procedure can address disagreements over repair scope or settlement value, but that process should not be confused with resolving a delivery-use exclusion. A courier planning the cost of a damaged car also needs to account for time without the vehicle and any remaining finance obligations after the insurer’s contractual settlement. 4,3,24

Car Insurance Does Not Automatically Insure Customer Goods

MPI’s guide distinguishes the vehicle and permanently attached equipment from contents such as separate tools and personal items. The basic-liability rules also exclude specified property belonging to, rented by, or in the insured’s care or control, including other people’s property in or on the vehicle. A customer’s order, delivery bag, loose phone or other work equipment should therefore not be assumed covered merely because the car has all-perils insurance. Describe the property, ownership and custody when asking about cargo or business-property protection. Similarly, damage to the car’s interior and damage to the transported goods are different claims requiring their own policy analysis. Keep the order and incident records instead of classifying everything as vehicle damage. DoorDash’s third-party auto summary and its injury program do not establish a general replacement policy for every object used or carried during delivery work. 4,21,28

Replacement Transportation Is Not Lost Delivery Income

MPI describes optional Loss of Use protection for replacement transportation when the insured vehicle cannot be used because of a covered accidental loss or theft. Its rules distinguish a driveable car delivered for repairs from an undriveable car and theft, and set end points such as repair, settlement or exhaustion of the purchased limit. The daily and total limits and the actual certificate matter. The public page also requires a professional rental business rather than a private rental from friends or family. This protection can help with transport expenses, but it does not establish unlimited reimbursement of missed DoorDash earnings. Nor does paying a rental bill make business delivery in that rental insured. Before relying on the car for income, ask both how long replacement transport can be funded and whether any replacement vehicle may legally and contractually be used for the work. 19,4,20

MPI Rental Vehicle Insurance Expressly Excludes Business Deliveries

MPI’s Rental Vehicle Insurance rules expressly say the rental vehicle must not be used for business deliveries. Coverage Regulation section 250 also excludes delivery use under its particular non-owned-vehicle coverage Part. This is a concrete reason that a courtesy car, borrowed car or rental should not inherit the findings for an ordinary owned delivery car. Ask the rental provider and the relevant insurer about an arrangement that actually permits the proposed use; purchasing MPI’s standard rental product is not evidence of that permission. A temporary liability extension from your own policy, payment of a rental under Loss of Use and insurance for damage claimed by the rental company are separate protections with different conditions. Do not rely on a general statement that insurance follows the driver. The checker withholds the ordinary owned-car coverage row for rental and borrowed selections. 20,3,19

PIPP, Income Evidence and the Workplace Election

Use the Current PIPP Provisions for a Current Accident

Part 2 of the Manitoba Public Insurance Corporation Act governs universal bodily-injury compensation for accidents within its scope from March 1, 1994 onward. The Coverage Regulation still contains a different Part II headed accident insurance benefits, but section 4.1 expressly excludes injuries or deaths for which the current Act’s Part 2 benefits are payable. Matching Roman-numeral headings in different documents are not interchangeable. Do not copy an old weekly indemnity or an older workers-compensation coordination clause from that regulation into a current PIPP claim. MPI’s PIPP guide explains the current public injury system, while the Act supplies the controlling application and exclusions. Vehicle repairs and third-party property damage remain separate questions. An injury benefit does not establish that the car had the correct delivery classification or guarantee that all accident-related costs will be reimbursed. 5,3,16

Operating in Manitoba Does Not Alone Determine PIPP Eligibility

Section 74 generally provides Part 2 benefits to a Manitoba resident injured in a qualifying accident in Canada or the United States. It also deems the owner, driver and passengers to be residents when a Manitoba-registered automobile is involved in an accident in Manitoba, subject to the interjurisdictional-agreement exception in subsection 74(3). Section 75 separately addresses non-residents. The interpretation regulation supplies domicile/habitual-residence and loss-of-status rules; actual domicile is therefore important but not the only statutory route to protection. Selecting Manitoba as an operating location does not establish every eligibility fact. Give the claims organization your residence, vehicle registration, accident location and any other public or workplace coverage. This matters for a new arrival or a courier crossing provincial boundaries. Obtain the decision under the applicable provisions rather than assuming everyone delivering in Winnipeg has identical benefits or that a non-resident is automatically excluded. 7,5,16

PIPP Income Replacement Depends on the Employment Classification

MPI first classifies the person’s employment situation at the accident date, including full-time, part-time, temporary and non-earner categories. The interpretation regulation supplies legal definitions; an app’s description of a flexible shift does not settle that classification. MPI’s income guidance explains that part-time, temporary and non-earner cases can require employment reassessment after 180 days if the accident-related inability to work continues. Income replacement is described as a percentage of net income, subject to the applicable statutory maximum and eligibility conditions, rather than a guarantee of the next week’s app receipts. Give the case manager complete information about all employment and business activities, scheduled work, interruptions and the duties the injury prevents. Keep the medical and income evidence distinct: proving prior earnings does not itself prove accident-related inability to perform the work. 7,18,16

App Deposits Alone Do Not Establish Insurable Business Income

Section 3 of the Income and Employment Regulation defines business income using income less the specified allowable expenses, with particular exclusions from that expense treatment. It then compares prescribed historical periods, including the preceding 52 weeks, the preceding fiscal year and qualifying two- or three-year averages, with occupational-schedule rules also relevant. MPI’s guidance accordingly asks for business records, tax returns, financial statements or assessments, depending on the history available. A screenshot of gross DoorDash deposits is not the complete calculation of an independent courier’s income. Keep payout statements, declared tips, business expenses, returns and other employment records so the case manager can apply the correct method. If you operate through a company or have several income sources, explain that structure. This article does not calculate an individual benefit, choose a tax treatment or promise that gross delivery revenue will be replaced. 6,18,16

A Qualifying Work-related Road Injury Can Require an Election

Section 195 of the MPI Act permits a person entitled under both Part 2 and a qualifying workers-compensation law to elect one system. Electing workers compensation removes the Part 2 entitlement for that bodily injury under the stated provision. MPI’s actual election form also has consequential language when choosing PIPP: it includes an agreement not to pursue WCB benefits for that accident and addresses forfeiture and repayment if WCB benefits are claimed and received. This is not a choice to collect both full benefit packages or a form to sign merely because an app says Manitoba has provincial compensation. First establish the relevant status and entitlements, obtain an explanation of the election and seek individual advice before making a binding choice. Preserve the decision and claim records so the organizations can identify the same accident and benefits correctly. 5,17,8

Workers’ Compensation and the Actual Delivery Relationship

The Contractor Label Does Not Decide WCB Status

WCB Policy 35.10.50 says the Board decides whether a service provider is a worker, independent contractor or employer, including deemed-worker status. It considers the facts and the relationship actually engaged in at the injury date. The parties’ contractual label and another agency’s classification can be considered but do not decide the matter. Guideline 2 examines significant economic independence, control, investment, financial risk and relationships with principals. Having several apps is relevant context, but can also represent several employers rather than an independent business. Give WCB the actual agreements, work pattern and business facts and request its determination. Do not infer that using your own car or accepting DoorDash’s contractor agreement makes personal coverage automatically optional. Nor does an industry classification by itself establish which particular business is responsible for premiums or a claim. DoorDash’s current Canada-specific section 24.1(b) says it registers and pays premiums for contractors performing services in Manitoba, with eligibility to claim from the provincial board; acceptance of an individual injury remains a separate decision. 9,11,27

Personal Coverage Has a Declared-business and Relationship Scope

Guideline 1 distinguishes self-employed work directly for consumers from work that commercially benefits another business. Coverage bought for consumer relationships is not automatically the source of coverage for an injury while working for a commercial principal. The policy and guidelines explain when an independent business can purchase personal coverage, and when a principal may instead be deemed the employer. WCB’s optional-coverage page also addresses income selection and earnings verification; the amount purchased is not an unconditional payment regardless of actual loss. Ask which arrangement applies to the delivery relationship, whether any personal coverage has actually been accepted, and which declared activities it covers. Keep current coverage and clearance records, and notify WCB when the activities change. Do not buy the wrong category merely to obtain a certificate, or assume that paying a premium decides every later eligibility issue. 10,11,9,12

The Courier and the Technology Platform Have Different Classification Entries

WCB’s courier-services entry 506-02 includes custom delivery by walkers, cyclists and vehicles, including food and beverages for multiple restaurants or people. The same entry separately directs businesses that develop and maintain delivery-arranging technology platforms to advertising and marketing classification 505-06. That distinction prevents a simplistic conclusion that the platform company and every person using its software necessarily share the same industry entry. It also does not answer the separate worker/principal test. Ask WCB how the actual parties and operations are classified and whether the work is covered. Explain if you hire someone else or perform interprovincial courier work, since those facts can add responsibilities and reporting questions. A platform’s private accident-summary exception for Manitoba is useful context, but is not a substitute for the Board determining the actual statutory relationship. 13,9,29

An Open App Does Not Decide Every Work-injury Claim

Policy 44.05 requires the relevant worker status, covered industry, personal injury by accident and employment connection. It considers whether an accident arose out of and in the course of work, with the statutory presumption applied under its actual conditions. The accompanying guidelines explain work-related travel by examining why the person was at the location and the employer’s influence over that presence. For a courier, preserve the accepted order, route, pickup and completion times, other apps, breaks and personal detours. Those facts can matter when an injury occurs between orders or during travel to or from work. The app’s online indicator is evidence of one fact, not a complete statutory decision. Similarly, different periods in an auto excess summary and a workplace policy should not be merged into a promise that every moment logged in is insured under every program. 14,15,8,28

DoorDash’s Private Injury Program and Country Scope

Do Not Quote the Canadian Private Program as Automatic Manitoba Cover

DoorDash’s Canadian occupational accident page describes its program beginning March 1, 2026, but expressly identifies exceptions where Dashers are covered by provincial workers’ compensation systems, including Manitoba, Saskatchewan and British Columbia. The income and medical figures elsewhere on that page therefore should not be offered as an automatic Manitoba courier entitlement. At the same time, the company’s summary does not determine your WCB status, make an election under the MPI Act or supply an individual coverage decision. Obtain confirmation of the applicable statutory and private arrangements from the responsible organizations. If a claim depends on private group wording, request the actual current terms and eligibility explanation instead of filling the gap with a general Canadian number. The page also excludes property damage, so it is not evidence of a replacement benefit for your car, bicycle, phone or delivery equipment. 29,9,5

The U.S.-only FAQ Does Not Fill a Manitoba Coverage Gap

DoorDash’s separate occupational accident FAQ under an en-ca URL explicitly says its body applies to U.S. Dashers only. Its medical maxima, deductible terms, disability provisions and claims arrangements do not establish Manitoba benefits. Identify the country stated in the document, the activity and accident date before relying on a search-result number. Similarly, a U.S. state’s auto-insurance description should not replace the conditions in the Canadian international section. The Canadian summary describes excess auto liability with its own reporting and personal-policy claim conditions, while the Canadian injury page has an express provincial-compensation exception. These are different documents addressing different losses. Neither an attractive U.S. benefit figure nor a generic country label is a valid way to complete missing Manitoba evidence. Obtain the actual applicable policy or statutory decision and keep the uncertainty explicit until it is resolved. 30,29,28

Claims, Deadlines and Different Dispute Routes

Report the Delivery Facts and Keep the Claim Evidence

MPI’s collision-reporting procedure asks for the accident, vehicle, driver and other-party details needed to investigate the claim. The Coverage Regulation imposes applicable notice and cooperation requirements, while DoorDash’s agreement separately calls for notice of specified app-related incidents within forty-eight hours where practicable. Report promptly and accurately to the relevant parties rather than waiting to establish final fault or the excess insurer’s responsibility. Keep photographs, witnesses, the order and timeline, other apps, delivery-use certificate, repair estimates and every insurer letter. Follow the stated arrangements for towing, storage and authorization of repairs so avoidable charges do not accumulate. Identify injury, vehicle damage and customer-property issues separately even if one event caused them all. A platform support ticket is not an MPI coverage decision, and a collision report does not itself amend the vehicle’s declared insurance use. 22,3,27

PIPP and WCB Have Different Notice and Filing Rules

MPI Act section 141 generally requires a Part 2 compensation claim within two years of the accident, with a specific rule for later-observed injury symptoms and further statutory qualifications. WCB Act section 17 requires employer notice as soon as practicable and ordinarily within thirty days, while section 19 sets a general one-year compensation-application period, subject to section 109 and the Act’s exceptions. These are not permission to delay reporting while deciding which system might apply. Nor should Québec’s or another province’s filing period be copied into a Manitoba claim. Ask the organizations how to preserve the relevant rights while status and election questions are assessed, and keep proof of each notice and submission. Private-policy reporting requirements, a benefits application, an election and a challenge to a decision are different steps with different consequences and dates. 5,8,16

A PIPP Injury Dispute Uses Internal Review and AICAC

For a reviewable PIPP decision, section 172 and MPI’s procedure describe a written internal-review request within sixty days after notice, subject to the Act’s specific exception. Identify the decision and reasons for disagreement and provide the supporting medical, income or other evidence. MPI’s page explains that its review office is separate from the claims department. Following the review decision, section 174 and the government’s AICAC guidance generally give ninety days to appeal, with an extension process that is not automatic. AICAC is the independent injury-benefit appeal body; it is not the route for every repair estimate or vehicle valuation dispute. Keep the decision-receipt dates, envelopes and submissions so the relevant period can be established. An informal discussion with a case manager should not be assumed to replace a required written review or appeal. 25,23,5

Separate Repair Value, Fault and Coverage Disagreements

MPI’s vehicle-claim appeal page describes different routes for responsibility for the collision and for disagreements about repair scope or settlement value. For repair/value disagreements it describes discussion with the appropriate supervisor and an independent-appraisal process, including a proof of loss, representatives and an umpire if necessary. That process concerns the matters assigned to it; it does not turn an excluded delivery use into accepted insurance. Obtain the written reasons for the actual disputed decision and identify the correct procedure before paying for an appraisal or pursuing another route. Keep estimates, comparable-vehicle information, receipts, correspondence and the certificate that was in force. PIPP’s sixty- and ninety-day injury-review periods should not be used as universal deadlines for a property dispute. Ask about the applicable statutory, contractual or court deadline for the particular issue. 24,3,25

Other Modes and Your Next Shift

A Bicycle Has Different Property and Injury Questions

MPI’s vehicle-bicycle guidance says bicycles are not insured through MPI and that a cyclist responsible for a collision may face liability for damage to a vehicle as well as their own bicycle loss. It separately identifies PIPP bodily-injury claims involving a motor vehicle. The Act has specific boundaries for power-assisted bicycles and other excluded vehicles, including the condition involving a moving automobile. A solo fall should therefore not inherit the findings for a qualifying car collision. Check the actual device classification, delivery-use liability, theft or damage to the bicycle and the work-injury arrangement. DoorDash’s Canadian occupational page does not establish property cover and expressly identifies Manitoba in its provincial-compensation exception. The checker consequently withholds the ordinary owned-car coverage row for bicycle, e-bike and other non-car selections; it does not infer a device’s classification from an app label. 26,5,29

Recheck Trucks, Passenger Trips and Territory Changes

MPI’s rules distinguish passenger cars, trucks, motorcycles and vehicles for hire, with further categories for the nature and territory of commercial use. Adding passenger rides, a different vehicle, another driver or interprovincial work can therefore change more than a single checkbox on an app. Give the agent the complete activity and ask which use and optional protections fit it. Do not assume a passenger-rideshare time-band arrangement or an all-purpose truck definition is the same as the local courier passenger-car rule. At renewal, compare the certificate, delivery days and annual distance, operating territory, liability, physical-damage protection and deductibles against the work you actually do. Keep current platform terms and WCB determinations with that file. This guide and the checker supply researched requirements and unresolved questions; they do not issue insurance, approve a business use or decide a future claim. 1,2,4,27

Research checked 2026-10-27. Amounts are USD in the U.S. and CAD in Canada.

Official platform rules, government legislation, regulators and insurer-issued documents support this checklist. Your actual policy, endorsements and operating location control. Platform service availability and local licensing are not confirmed by this guide.

Spot publishes this research and works in the insurance market. Source review is AI-assisted; no independent insurance-professional review is claimed. Editorial policy. Suggest a correction.

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