Commercial Insurance Resources
Support for restaurant owners
Insurance carriers (most) are now offering an insurance solution for our insureds who are no longer allowed to offer on-premises dining in their restaurants to prevent the spread of the Coronavirus.
For a business that does not normally offer delivery, we encourage the use of a third-party delivery company, such as UberEats, GrubHub or DoorDash, to reach customers while limiting additional risk to their own business.
For our insured restaurants that need to offer food delivery services and currently have existing gaps in their commercial auto coverage form, we will provide the hired non-owned auto endorsement to address this gap on a temporary basis.
We will extend this coverage for no additional premium for the period in which the insured restaurant is subject to the government mandate to cease on-premises dining operations or until June 30, 2020, whichever comes first. However, if the insured plans to deliver alcoholic beverages, please contact your underwriter, as this exposure will need to be underwritten and priced accordingly.
The coverage afforded by the hired non-owned auto endorsement:
Is subject to the liability limits in the restaurant’s commercial auto policy or the general liability/businessowners policy if the insured does not have a commercial auto policy
Will not include coverage for hired non-owned auto coverage in any umbrella or excess coverage
Is in excess of an employee’s personal auto policy
Covers the named insured’s liability, but not comprehensive or collision losses to an employee’s vehicle