COVID-19 is challenging our businesses, to say the least. New Food Delivery options utilized by local restaurants, pizzerias, caterers, grocery stores, and in some cases, liquor stores open these businesses to new liabilities.
Your employee(s) who are using their own cars on company business i.e. deliveries. The endorsement that your company needs for protection is: “Non-Owned Auto Liability”.
Your business hires a non-employee contractor (individual or business) to make deliveries. The endorsement that your company needs for protection is: “Hired Auto Liability”.
The “Hired Auto and Non-owned Auto Liability” endorsement adds liability coverage for employees using their personal vehicles on the job. If the business owns business auto(s) then the endorsement is added onto the Business Auto Policy. If the business does not own business auto(s), then this endorsement can be added to your Business Owner Policy.
Insurance companies are making a temporary change to their Underwriting guidelines in providing “Hired and Non-Owned Auto Liability”. Please contact your insurance agent to find out more information.