Hired And Non Owned Auto Insurance For Pizza Delivery
Introduction
If you are running a pizza delivery business, it is crucial to have insurance coverage that can protect you and your employees from potential accidents while on the job. One type of insurance that you should consider is hired and non-owned auto insurance. In this article, we will discuss what this type of insurance is, why it is important, and how you can get it.
What Is Hired And Non-Owned Auto Insurance?
Hired and non-owned auto insurance is a type of liability insurance that covers vehicles that are not owned by your business but are used for business purposes. This type of insurance is essential if you or your employees use personal vehicles for delivery or other business-related activities.
It is important to note that hired and non-owned auto insurance only covers liability for damages and injuries caused to other people or property. It does not cover damage to the vehicle itself or injuries sustained by the driver or passengers.
Why Is Hired And Non-Owned Auto Insurance Important For Pizza Delivery?
If you operate a pizza delivery business, your employees will be driving their own vehicles to make deliveries. This means that your business is exposed to potential liability if one of your drivers gets into an accident while on the job.
If your employee causes an accident while driving their personal vehicle for pizza delivery, your business could be held liable for damages and injuries caused to other people or property. Without hired and non-owned auto insurance, your business would be responsible for paying these expenses out of pocket, which could be financially devastating.
How To Get Hired And Non-Owned Auto Insurance
Getting hired and non-owned auto insurance is a relatively easy process. Most insurance companies offer this type of coverage as an add-on to your existing business insurance policy.
To get started, you will need to contact your insurance company and ask about adding hired and non-owned auto insurance to your policy. They will likely ask you some questions about your business, such as how many employees you have and how often they use personal vehicles for business purposes.
Once you have provided this information, your insurance company will give you a quote for the cost of adding hired and non-owned auto insurance to your policy. The cost will depend on a variety of factors, such as the number of employees you have and the amount of coverage you need.
Conclusion
As a pizza delivery business owner, it is essential to have hired and non-owned auto insurance to protect your business from potential liability. This type of insurance can help cover the costs of damages and injuries caused by your employees while driving their personal vehicles for business purposes. Make sure to contact your insurance company to add this coverage to your policy.
