Hired And Non-Owned Auto Insurance For Pizza Delivery
Pizza delivery drivers are among the riskiest drivers on the road. They are constantly on the move, driving in unfamiliar neighborhoods, and carrying hot and sometimes messy food. This makes them prone to accidents, which is why pizza delivery businesses need to have insurance coverage to protect their drivers and assets.
What is hired and non-owned auto insurance?
Hired and non-owned auto insurance is a type of insurance that provides coverage for vehicles that are rented, leased, or borrowed for business purposes. In the case of pizza delivery drivers, it provides coverage for accidents that occur while driving a personal or non-owned vehicle for work purposes.
This type of insurance is important for pizza delivery businesses because it protects them from liability if one of their drivers gets into an accident while driving a personal or non-owned vehicle. It also provides coverage for any damages or injuries that occur as a result of the accident.
Why do pizza delivery businesses need hired and non-owned auto insurance?
Pizza delivery businesses need hired and non-owned auto insurance for several reasons:
- Personal auto insurance may not cover accidents while using a personal vehicle for work purposes: Most personal auto insurance policies do not provide coverage for accidents that occur while using a personal vehicle for work purposes. This means that if a pizza delivery driver gets into an accident while driving their personal vehicle for work, they may not be covered by their personal auto insurance policy.
- Pizza delivery businesses may not own all of the vehicles used for deliveries: Many pizza delivery businesses rely on their drivers to use their personal vehicles for deliveries. This means that the business may not own all of the vehicles used for deliveries, which makes it difficult to insure all of the vehicles under a single policy.
- Accidents can be expensive: Accidents can be expensive, especially if there are injuries or property damage involved. Hired and non-owned auto insurance provides coverage for these costs, which can help protect pizza delivery businesses from financial losses.
What does hired and non-owned auto insurance cover?
Hired and non-owned auto insurance typically provides coverage for:
- Bodily injury: This coverage provides compensation for injuries sustained by other people in an accident caused by the insured driver.
- Property damage: This coverage provides compensation for damage to other people's property in an accident caused by the insured driver.
- Legal fees: This coverage provides coverage for legal fees if the insured driver is sued as a result of an accident.
How much does hired and non-owned auto insurance cost?
The cost of hired and non-owned auto insurance varies depending on several factors, including the type of business, the number of drivers, and the coverage limits. However, it is generally less expensive than a commercial auto insurance policy.
Conclusion
As a pizza delivery business owner, it is important to have the right insurance coverage to protect your drivers and assets. Hired and non-owned auto insurance provides coverage for accidents that occur while driving a personal or non-owned vehicle for work purposes, which can protect your business from liability and financial losses.