Instacart's 2026 annual filing confirms the company currently procures occupational accident insurance for shoppers - that part is freshly verified.
The specific benefit schedule - up to $1,000,000 in medical expenses, plus disability and survivor's benefits for full-service shoppers, automatic and at no cost - comes from Instacart's own announcements from a few years earlier. We haven't found a newer primary document restating those exact figures, so treat the amounts as historical rather than freshly reconfirmed.
Two different things, sourced differently
That Instacart procures occupational accident insurance for shoppers at all is corroborated by its current 2026 annual filing. The specific numbers - the $1,000,000 medical cap, disability payments, survivor's benefits - come from Instacart's own official announcements, not the recent filing, and haven't been restated in anything newer that we've found.
Who this covers
Instacart's official materials describe this program - Shopper Injury Protection - as covering U.S. full-service shoppers. We haven't separately researched in-store shoppers, who typically work under a different arrangement; don't assume the same benefits apply to them.
What it pays, if the older figures still hold
- Medical expenses up to $1,000,000
- Disability payments
- Survivor's benefits
Automatic and free to enroll - no signup needed, according to Instacart's own materials.
What injury benefits do DoorDash drivers get? →Who pays my medical bills if I'm hurt driving? →
This is a national program - your other coverage options still depend on your state. Open your state and jump straight to what we have verified.
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