It depends on the type of food delivery business you’re considering. If you’re a contractor with an app-based food delivery business, you may not need most types of business insurance.
You should contact your auto insurance company, however, to ensure that you’re covered if you drive for business purposes. You can also check with the company you have a contract with to see if it recommends carrying any business insurance.
If you’re opening your own food delivery business, then you need to set up your business according to local, state and federal laws, including buying workers’ compensation insurance if you have employees. You may need home-based business insurance if you’re working out of your home.