A very common misconception for restaurant owners, as well as their employees, is insurance for food delivery drivers. The majority of restaurants that offer food delivery emphasize the fastest delivery in town and their drivers, usually young age, race to a customer’s home or place of business in hopes of earning a nice tip.
FAST Food Delivery Drivers
An important concern for food delivery drivers is whether you will be driving your personal car, or a company owned vehicle. Your employer should have a proper and adequate restaurant insurance policy in place either way. If your personal car or truck will be used for food delivery, your personal auto insurance company should be made aware that the vehicle will be used to make deliveries.
Delivery Restaurant Owners
A commonly overlooked part of running a successful business is maintaining you, your business and your employees are safeguarded in the event of an accident. Restaurant owners that provide company owned cars or trucks to their employees, commercial auto insurance is an obligation. Restaurant owners who hire employees with their own private vehicles need to maintain a business insurance policy with hired & non-owned auto coverage.
A Restaurant’s Non-Owned Vehicles
A frequent mistake small business owners make concerning their food delivery restaurant is delivery drivers and non-owned vehicles. Many restaurants do not own any commercial vehicles, but the fact is, auto insurance coverage is still required.
Restaurant owners who require their delivery drivers use their own personal vehicles will need non-owned auto insurance coverage.
Non-owned auto insurance provides liability coverage to the business in the event of an auto accident that involves an employee while on the job.
An additional common mistake a restaurant owner makes is failure to verify a driver’s personal auto insurance policy. It is extremely important to verify a driver’s personal auto policy to ensure proper liability limits are held.
If your delivery driver is involved in an auto accident and you fail to secure a proper insurance policy, the third-party involved can bring legal action against your business and you’ll be held responsible for damages and injuries incurred.
Don’t wait until an accident happens to find out your restaurant insurance policy doesn’t contain the actual coverage your food delivery restaurant needs. Contact us today for more information or to request a fast and easy small business insurance quote.