Postal Letter

Do I need non-owned vehicle insurance for my pizza delivery business?

I am starting a pizza delivery business but I cannot find an insurance carrier that will provide non-owned vehicle insurance. Do I need it? Can I just have the standard business owner policy?

Public Comments

1. I'll let you decide. First, let me tell you what the coverage is. If one of your employees is delivering a pizza in their own car, and they hit a pedestrian and kill them, the lawyer is going to sue you, because they were acting in the course of their employment. Do you WANT to have any coverage, if you get a million dollar lawsuit against you? If so, you need the coverage. Alternatively, you can buy a car, and insure it on your business insurance policy, and let your employees use that car to deliver the pizzas. Whatever you mean by standard business owner policy, well, coverage is NOT standardized! So if you HAVE no nonowned auto liability under that policy, then you DON'T get that protection.