Learn Why Insuring Your Delivery Drivers Properly Is So Important

If you own a restaurant that offers food delivery services to your clients, it is important to make sure that you take the time to properly protect your business from potential lawsuits. Many small business owners make the mistake of assuming that the delivery driver’s personal car insurance will cover any accident that may occur. That is not always the case though. There are some insurance companies that will pay a portion of damages that occur, but not the entirety. Below is a guide to help you better understand commercial auto insurance and how to use it properly.  

Know What Commercial Auto Insurance

Commercial auto insurance is different from personal auto insurance because it protects the fleet of vehicles that are used to make the deliveries for your business. You can choose to only have liability coverage on the fleet because any damage that is done to the cars should be covered by their own personal insurance policy.

Understand How to Get a Policy

Getting commercial auto insurance is not difficult. Contact the insurance company and let the agent know that you are interested in a policy. They will walk you through the process quickly and easily. All you need to know is the name, address, phone number, and vehicle information about each driver to open a new policy.

Make Changes to the Policy As Needed

When drivers are fired and new ones are hired, you need to make changes to your policy right away. No driver should be on the road that is not covered by your policy. You can make changes to the policy over the phone so that you do not have to worry about physically going into the office.

You are responsible for insuring the drivers that you put on the road. If a driver is involved in an accident with another car, while delivering your food, the other driver could sue your business for damages that they incur. Having insurance will protect your business and your driver in the event of an accident.

You do not want to put your business at risk by allowing drivers out on the road without the right insurance. If someone were to sue your business after an accident, you could lose everything that you worked so hard to get. Most commercial auto insurance policies cost very little and are well worth the investment when you think about the protection that they offer.

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