Pizza, Fast Food & Restaurant Delivery
If your client has his or her employees deliver food, whether in a company-owned vehicle or in the employee’s personal vehicle, they have an Owned, Hired & Non-Owned coverage exposure. This coverage should be considered a “must have” for your client’s protection.
SISI offers a competitive program designed to provide Owned, Hired & Non-Owned auto coverage for the hard-to-place risks that the standard markets exclude. We can provide coverage on any type of fast food or other restaurant delivery, as long as there are no time guarantees.
Let SISI offer the speedy service!
Target Risks
- Pizza delivery
- Fast food delivery
- Restaurants delivering their own food
- Services delivering food from multiple restaurants
- Miscellaneous Owned, Hired & Non-Owned exposures
Prohibited Risks
- Delivery of any type with a guaranteed timed delivery
- Risks involving human transport (i.e., taxis, buses)
- Risks using trucks for delivery
- Contractors
Limits Available
- $100,000 to $5,000,000
Carrier
- A.M. Best “A:IX” Rated
Availability
- All states except: CT, IA, OK
Types of Policies Offered
- SIR is erodible by the Driver’s collectible auto insurance.
- SIRs between $0 and $100,000.
Standalone Coverage Excess of a Self-Insured Retention (SIR)
- Insured purchases a Primary Owned, Hired & Non-Owned auto insurance policy with limit as low as the state financial responsibility limits (available through the state’s assigned risk plan). Our policy would be excess of those limits.
Standalone Coverage Excess of a Primary Policy
Requirements to Quote
- Completed Sunderland Food Delivery Application for Excess Commercial Auto Liability (CA AS 0117 0607).
- Five years currently valued Hired & Non-Owned auto loss runs. If no prior insurance, a no-known loss letter on the Insured’s letterhead stating no prior coverage, and no losses.
- If owned auto coverage is needed, we will have to be excess of a primary policy in the name of the Insured.
Requirements to Bind
- Signed and Dated Food Delivery Application for Excess Commercial Auto Liability (CA AS 0117 0607).
- Signed and Dated Special Restrictions for the Operation of Automobiles (CA AS 0111 0908) if applicable.
- Signed and Dated Additional Self-Insured Retention Provisions (CA AS 0097) if policy is excess of a SIR.
- Copy of underlying Declarations page or binder if policy is excess of a primary policy (Must show effective date, Named Insured, limits and type of coverage).
- Tax/Fee Acknowledgment (if risk is outside California); D-1 if risk is in California.
Filing Requirements
- Sunderland will do the filings if the risk is located in California. If the risk is outside of California, it is the responsibility of the Producer to collect and file the surplus lines taxes and fees.
For additional information contact:
Holly Belknap at 925.942.4020 x102 or Holly@Sunderlandins.com
Laura Pedersen at 925.942.4020 x101 or Laura@Sunderlandins.com
Terms and coverages subject to change without notice.