Does my restaurant need commercial auto?

If the business owns vehicles for delivery, catering, or supplies, yes. Personal auto generally excludes business use, so owned and business-use vehicles need commercial auto.

What about drivers using their own cars?

That is the hired and non-owned auto exposure. The personal policy generally excludes business use, and liability can fall to your business. HNOA coverage is designed for it.

Do I need auto coverage if I only use delivery apps?

App-based delivery carries some exposure, but if your own staff or vehicles are involved, auto coverage questions arise. We help sort out which applies to you.

Restaurant Commercial Auto - Vantage Point Risk

Restaurant commercial auto insurance.

If your restaurant owns delivery or catering vehicles, or your staff drive for the business, personal auto policies generally will not respond. Commercial auto and hired and non-owned auto fill that gap.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

Restaurant commercial auto covers vehicles your business owns and uses for delivery, catering, or supplies, while hired and non-owned auto addresses liability when employees drive their own or rented vehicles for work. Personal auto policies generally exclude business use.

Owned vehicles

Delivery vans, catering vehicles, and food trucks the business owns need commercial auto coverage for liability and physical damage. A personal auto policy generally will not cover a vehicle used in the business, which is a common and serious gap.

The delivery driver gap

When employees use their own cars to deliver, the personal auto policy generally excludes business use, and the liability can fall to your business. Hired and non-owned auto coverage is designed to address that exposure, which matters most for pizza, delivery, and catering operations.

Matching coverage to how you drive

The right auto program depends on whether you own vehicles, use staff drivers, rent occasionally, or rely on apps. We sort out which exposures you actually have so the coverage fits the operation and the contracts.

Restaurant commercial auto insurance.

Owned vehicles

The delivery driver gap

Matching coverage to how you drive

Common questions.

Is this coverage right on your policy?

Keep going.

Food Trucks

Pizza Restaurants

Restaurant Coverage Review

Cover the vehicles and the drivers.