Food Delivery Insurance
A professional insurance broker can help you put together a proper food delivery insurance program that suits your specific needs and risks, whether you run a busy restaurant with multiple delivery drivers, or a small establishment with a couple of motorcycles to make deliveries.
Typical Coverage Options For Food Delivery Insurance:
This policy can be either company-owned vehicles or non-owned (employee-owned) vehicles to protect you from risks of driver liability. For company-owned car insurance, all your drivers must be listed on the policy, though this will increase the cost. Hired or non-owned auto coverage provides liability coverage for your employees/drivers because standard (personal) car policies don’t cover accidents that occur when using the vehicle for business purposes.
Business owner policy:
A BOP combines multiple coverages, including business interruption, property damage, and general liability insurance, to protect the business from loss of business income in the event that you’re forced to close down temporarily due to a covered loss. It can also cover operating expenses to restore your business to full working condition.
This insurance cover is flexible, and you can add as many specialized options as you need, including:
- Employment practices liability
- Equipment breakdown
- Food spoilage
- Food-borne illness protection
- Water damage
- Liquor liability
- Employee theft, etc.
This is a requirement in most states for any business with employees. It covers medical bills and lost wages in the event that your drivers suffer work-related injuries.
Custom food delivery insurance coverage
To run a successful food delivery business, you need delicious food, reliable drivers, and comprehensive insurance coverage. This will give you and your employees peace of mind to focus on the core operations since the risks have been taken care of.
To get the best value for your investment, it is important that you work with a well-connected insurance broker to help you customize your policy to match the size of your operations, including the number of drivers, business assets, and risks you face.
Get a Food Delivery Insurance Quote
At Brookhurst Insurance, our agents are experienced in food delivery insurance products. We would be happy to discuss customized plans for your food delivery business to be insured properly. This can give you some peace of mind to run normal day-to-day operations without the need to worry about accidents beyond your control. Request a quote online or call 818.465.7860 to speak with a food delivery insurance agent today!