Commercial Insurance Resources

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

To protect an insured restaurant’s increased exposure while providing delivery services, please see the additional information linked below.

• Encova Delivery Guidance and Driver Authorization

• EPA-approved disinfectants to use against COVID-19

• National Restaurant Association guidance

• Occupational Safety and Health Administration (OSHA)/control and prevention of COVID-19