When delivering for a single restaurant, the vehicle is not available to others – thus this wording does not exclude coverage. #LIVERY CONVEYANCE DRIVERS#Making the vehicle available for public use is what the ride sharing apps and food delivery apps do (thus, there is NO coverage for drivers delivering for GrubHub, etc.). Is food delivery “public conveyance”? No, the vehicle is not available for public use it is being used by the employee on behalf of his/her employer only, and only for a single purpose – food delivery. Livery conveyance: Carrying persons or property for a fee.Public conveyance: Making the vehicle available for public use (like a common carrier).Let’s define both terms to clarify coverage (or the lack thereof). The applicable part of this exclusion reads:Ī. We do not provide Liability Coverage for any “insured”:ĥ. For that “insured’s” liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance.ĭoes an employee delivering food qualify as either public or livery conveyance? If it does, the PAP provides no coverage.Īlthough generally phrased as one concept, public conveyance and livery conveyance are actually two different threshold requirements (notice the “ or” between the terms). Public or Livery Conveyance Exclusions: This exclusion may have more teeth. So, this exclusion can be ignored when discussing food delivery. The PAP excludes the use of an auto when being used in an auto-related business (sales, service, repair, etc.), unless the car is owned by the named insured, a family member or others provided the car is listed on the PAP. Whether Insurance Services Office’s (ISO’s) PAP provides liability coverage for food delivery is a function of two exclusions: the business use exclusion and/or the public or livery conveyance exclusion.īusiness Use Exclusion: The business use exclusion is a non-factor in this discussion. the 18 -year-old working for the local Dominos). This article focuses solely on whether personal auto coverage extends to individuals employed by and delivering for a single establishment (i.e. And because so many teenagers and even young adults deliver food as a primary or secondary source of income, agents are regularly asked if the PAP covers food delivery.ĭoes the PAP extend coverage for food delivery? Well, maybe! Like so many other insurance coverage questions, the answer depends on the coverage language of the individual policy and the specifics of the activity.īefore answering this question, one key fact must be understood – we are not addressing coverage for individuals delivering for any of the app-based food delivery operations (GrubHub, DoorDash, Uber Eats, etc.). If all forms and sources of food delivery are included, there may be well over 100,000 food delivery drivers on the road every night.įor the personal auto insurance industry, food delivery is a big exposure. Nor do these numbers consider the newish food delivery app drivers such as those driving for GrubHub, DoorDash, UberEats and others. This doesn’t include any other food delivery drivers such as Chinese food delivery. #LIVERY CONVEYANCE DRIVER#If every delivery driver makes 30 deliveries per night, that equates to approximately 91,000 pizza delivery drivers on the road on any given evening. But in the modern world, approximately 2 million pizzas are delivered every day on average. Obviously, this first delivery wasn’t by car, so the personal auto policy exposure wasn’t a consideration. History doesn’t record if it was delivered in 30 minutes or less. While in Naples, King Umberto I of Italy and Queen Margherita of Savoy made the first call. In fact, the first recoded request for pizza delivery occurred in 1889 – and it was by royalty. Its history goes further back than you think.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |