Hired & Non-Owned Auto

Our program provides protection for businesses that hire drivers to make deliveries on the store owners behalf. We offer competitive premiums for up to $1,500,000 CSL in hired and non-owned auto liability.

Available in all States with the exception of Florida, Louisiana and New Jersey.

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Restaurant Food Delivery

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Restaurant Food Delivery

HNOA for restaurants that deliver their own food

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Food Couriers

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Food Couriers

HNOA for businesses that deliver food for others

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Grocery Delivery

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Grocery Delivery

HNOA for businesses that deliver food for others

IPC-Liquor-Delivery

Liquor Delivery

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Liquor Delivery

to the consumer only. Ie liquor store delivers to customer OR restaurant delivering with food

IPC-Catering

Caterers

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Caterers

employees use employee autos to deliver catering orders.

IPC-Meal-Kit-Delivery

Meal Kit Delivery

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Meal Kit Delivery

a subscription foodservice business where a company sends customers pre-portioned and sometimes partially prepared food ingredients and recipes to prepare home-cooked meals.

IPC-Ghost-Kitchen

Ghost Kitchen Delivery

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Ghost Kitchen Delivery

Also referred to as micro-cloud kitchens or virtual kitchens. A business, that prepares food at a commercial kitchen that was ordered online for delivery directly to customers. There is no dine-in option.

APPLICATIONS AND FORMS FOR HIRED & NON-OWNED AUTO

Please find our specialty applications and forms. 

Food Delivery App

Download

Miscellaneous Auto Application

Download

Driver Qualification Check Sheet

Download

Auto Inspection Sheet

Download