Restaurant Delivery Insurance

If you’re looking to attract a new kind of clientele for your restaurant by offering food delivery services, then you need to consider upgrading to restaurant delivery insurance coverage. Compared to other delivery businesses, your drivers will be in a race for time, trying to get the meals to your patrons while still hot.

How Restaurant Delivery Insurance Can Protect Your Business

This specific aspect of your business makes it very risky for insurers. Additionally, you’re likely to attract young delivery drivers, who will be in an even bigger hurry to try and earn big tips. This can lead to liability problems for you as the business owner. It is important that you invest in the right restaurant delivery insurance to protect your business financially in the event that one of your employees is injured or causes an accident or damage to property while on the job.

restaurant delivery insurance

Ensure that your restaurant delivery drivers are fully insured

Many restaurants offering food delivery services are usually not aware that they may be found liable for compensation in the event that their hired delivery drivers get into an accident while working, yet they don’t have the right auto insurance coverage.

The standard auto insurance does not cover the use of personal vehicles for making deliveries, so the insurer can refuse the claim, leaving you as the only liable party. You cannot simply assume that your hired drivers are properly insured. If caught, both of you would be liable for prosecution.

So before hiring delivery drivers for your restaurant, please ensure that the driver has the right insurance coverage that allows them to use their personal vehicle or motorcycle to deliver food, as follows:

  • Delivery Cars – whether you’re planning on using hired drivers with their vehicles or company-owned vehicles, you should ensure that they’re properly insured with the right policy for takeaway and food delivery drivers.
  • Delivery Motorcycles – similarly, whether you’re using company-owned or hired motorcycles or mopeds, you should ensure that their insurance policy has been updated to include the added risks of the food delivery business.
  • Delivery Bicycles – unlike vehicles and motorcycles delivery drivers, food delivery on a bicycle is not legally required to have insurance. But considering the risks that your drivers will be exposed to, and the fact that your business may be liable for any injuries or damage they cause, it is still in your best interests to ensure that they’re properly insured.

If you don’t get the right insurance cover for your drivers, you could be exposing your business to major liability claims in the unfortunate event that your drivers cause damage or injury. Consider getting the help of professional insurance brokers to appraise your business and source policies that address your unique needs.

Get a Restaurant Delivery Insurance Quote

At Brookhurst Insurance, our agents are experienced inrestaurant delivery insurance products. We would be happy to discuss customized plans for your 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 restaurant delivery insurance agent today!

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