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.
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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.
Common questions.
Does my restaurant need commercial auto?
What about drivers using their own cars?
Do I need auto coverage if I only use delivery apps?
Is this coverage right on your policy?
Tell us how your restaurant operates and we will check this coverage against the way you actually run. Educational, no obligation.
Cover the vehicles and the drivers.
Tell us how your restaurant uses vehicles and we will build auto coverage that fits.