Hired and Non-owned liability for food delivery drivers is a high severity insurance coverage, meaning when there is a claim it could be a large dollar amount. Insurance companies like predictability in general, they also need to be able to ‘save’ for these large claims. Many insurance companies don’t feel that the small amount of premiums is worth the risk of not properly ‘saving’ to pay for the large potential claims.

Intrepid Direct is happy to email you a packet of best practices and sample agreements. A few tips: Start with hiring drivers with safe records, check their Motor Vehicle Records for major violations or frequency of violations. Then check the drivers insurance and drivers license to make sure they are valid and aren’t expired. Then make sure you have them sign an agreement of their responsibilities as a driver.

Safety practices, higher deductibles, and telematics. Intrepid Direct’s representatives can guide you to help you lower your costs. We know the best safety practices, we have many deductible options, and we have partnerships with the leading telematics/GPS companies.

That’s too bad, we hope all involved are recovering well. Unfortunately, this large claim will be considered in your premiums for 4-5 years. You need to explain to the insurance company details of the event and what you have done to prevent it from happening again. Or explain it was such a random accident, it shouldn’t happen again. I would suggest you start by making sure you have great safety practices and then consider telematics for your drivers.