You may need a commercial auto insurance policy if you're a delivery driver. That's because food delivery is
business use of the vehicle, not personal use.
Car insurance companies see business use as a higher risk than personal use, and charge higher rates accordingly. Delivery drivers are more likely to get into accidents and file car insurance claims. Commercial auto insurance policies aren't only for food delivery, but also any type of work could fall under business use, like delivering packages and driving customers.
If you start driving as a job (whether full-time or as a side hustle) and don't tell your auto insurance company, you could face a claim denial in the future if you cause an accident.