*Brookhurst Insurance Services is licensed nationwide to provide delivery service insurance products such as workers compensation, commercial auto, general liability, and cargo insurance.
The advent of third-party food delivery services such as FreshDirect, Peapod, UberEats, and Amazon has changed the way consumers shop, travel, and order food. With more consumers buying their groceries online, there’s a growing opportunity for on-demand grocery delivery.
However, there are some risk associated with food delivery, such as food contamination, liability in the event of an accident while delivering the groceries, and even the driver causing harm to the consumer. To avoid some of these risks, groceries often impose certain requirements for third-party delivery providers, like the requirement to carry insurance coverage naming the grocery store as an additional insured.
Brookhurst recognizes the appeal and rapid growth of third-party food delivery services. We realize that some drivers are hesitant about joining the industry because of concerns with insurance coverage while on the job, or the potential out-of-pocket expenses to cover damages. Fortunately, our insurance agents can help you get adequate insurance protection to venture into the grocery-delivery business.
Getting the Right Commercial Auto Coverage for Your Grocery Delivery Service
One of the requirements for making on-demand grocery deliveries is getting commercial auto insurance. The problem with standard personal auto insurance policies is that they exclude the use of the vehicle as a conveyance or livery - hauling goods or people for a fee.
This means that if you deliver groceries in a personal vehicle with just personal auto insurance, and you’re involved in an accident, you will not be covered. That said, personal auto insurance may be a requirement to qualify for insurance cover while you have a shipment - offered by the service (like Uber or Amazon).
To be on the safe side, you need to buy commercial auto insurance before you start making on-demand grocery deliveries. Although it will cost more than your standard personal auto policy, having a business or commercial auto insurance policy will give you sufficient coverage for the nature of the work.
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Finding affordable, comprehensive insurance for your delivery service business requires a lot of research, time and effort. Alternatively, you can work with your Brookhurst insurance agent to create a custom comprehensive plan that takes into account all the aspects of your business and the potential risks. If you currently have an insurance plan in place, our agents can also help to modify or upgrade your coverage so it provides adequate protection for your company.
Brookhurst Insurance agents will help to protect your business interests cost effectively. Request a quote online or call 818.465.7860 to speak with a delivery service business insurance agent today!
