Domino's Pizza Delivery Driver- do you have need of commercial insurance?
I have an interview today for a job at Domino's Pizza to be a conferral driver. My only concern about it is right presently I have personal insurance. If I were to win in an accident while deliver a pizza for domino's, would I still be covered? I'd like to hear from actual insurance reps or people who enjoy had experience with this.
Answers:
Do you want coverage?
Personal auto policies have an exclusion written into them, for conferral use. While your vehicle is being used for delivery purposes, there's no coverage - none for your vehicle, none for you, and none for the people/cars you might hit.
I have seen several claims denied, for kids deliverying pizzas beside the family car. Domino's coverage won't cover you or your sports car, either.
A very few auto insurance companies MIGHT provide you coverage for it - but none that I've ever dealt with. Source(s): agent, 23+ years
All personal auto insurance EXCLUDES COVERAGE for driving surrounded by the COURSE OF BUSINESS; Driving and delivering pizzas would be in the course of business and they would deny any claim;
I own denied claims for people delivering for pizza hut. Pizza hut specifically will not insure their drivers on their commercial policy.
Call your agent or insurance company and inquire if they can tag on coverage on your own auto policy for this. They will charge you more, but you would then be covered. It is most likely to tardy to ask if Domino's will insure you on their policy and most likely wont, but ask anyway and ask for proof. If your own insurance policy wont add this coverage, after ask where you can get it.
I other felt that when a company as big as Domino's, Pizza Hut etc will not insure their drivers that they hire specifically for this purpose should be held liable for any damages, since it would be in the course of business and oodles of them FORCE you to be somewhere during a specific time which might make you more likely to hold an accident.
You are a very smart guy to conjecture this out before hand, and it they wont insure you, I suggest you ask to work for them and not drive at adjectives.
good luck Source(s): auto adjuster
Actually, most personal auto insurance would exclude coverage for any auto explicitly being used for business reasons. Some may grant a business endorsements to provide such coverage. You may ask your agent about it.
As for the business, most companies enjoy a commercial business policy which include a coverage called "Hired & Non-Owned Auto" (HNO). This is speficially for situations like the one you're contained by. However, HNO only covers liability. You may want to ask your new employer if they own this coverage and also if it provides physical damage coverage for your vehicle.
Hope this helps,
Tony
http://www.Super-Affiliates-Club.com Source(s): I've be in the commercial insurance fields for over 8 years.
No. You do not stipulation commercial auto insurance.
You just tell your auto insurance company you want your policy put surrounded by a business class because you will be delivering pizza.
It should be no problem and it does not cost that much more. And, you might have to roll your employer as an additional insured on the policy but there should be little or no cost to do that. Don't verbs. If your hired your employer will tell you want they want. For now they simply want proof that you have auto insurance. Source(s): Insurance Agent that has done this beforehand.
Related Questions:
Answers:
Do you want coverage?
Personal auto policies have an exclusion written into them, for conferral use. While your vehicle is being used for delivery purposes, there's no coverage - none for your vehicle, none for you, and none for the people/cars you might hit.
I have seen several claims denied, for kids deliverying pizzas beside the family car. Domino's coverage won't cover you or your sports car, either.
A very few auto insurance companies MIGHT provide you coverage for it - but none that I've ever dealt with. Source(s): agent, 23+ years
All personal auto insurance EXCLUDES COVERAGE for driving surrounded by the COURSE OF BUSINESS; Driving and delivering pizzas would be in the course of business and they would deny any claim;
I own denied claims for people delivering for pizza hut. Pizza hut specifically will not insure their drivers on their commercial policy.
Call your agent or insurance company and inquire if they can tag on coverage on your own auto policy for this. They will charge you more, but you would then be covered. It is most likely to tardy to ask if Domino's will insure you on their policy and most likely wont, but ask anyway and ask for proof. If your own insurance policy wont add this coverage, after ask where you can get it.
I other felt that when a company as big as Domino's, Pizza Hut etc will not insure their drivers that they hire specifically for this purpose should be held liable for any damages, since it would be in the course of business and oodles of them FORCE you to be somewhere during a specific time which might make you more likely to hold an accident.
You are a very smart guy to conjecture this out before hand, and it they wont insure you, I suggest you ask to work for them and not drive at adjectives.
good luck Source(s): auto adjuster
Actually, most personal auto insurance would exclude coverage for any auto explicitly being used for business reasons. Some may grant a business endorsements to provide such coverage. You may ask your agent about it.
As for the business, most companies enjoy a commercial business policy which include a coverage called "Hired & Non-Owned Auto" (HNO). This is speficially for situations like the one you're contained by. However, HNO only covers liability. You may want to ask your new employer if they own this coverage and also if it provides physical damage coverage for your vehicle.
Hope this helps,
Tony
http://www.Super-Affiliates-Club.com Source(s): I've be in the commercial insurance fields for over 8 years.
No. You do not stipulation commercial auto insurance.
You just tell your auto insurance company you want your policy put surrounded by a business class because you will be delivering pizza.
It should be no problem and it does not cost that much more. And, you might have to roll your employer as an additional insured on the policy but there should be little or no cost to do that. Don't verbs. If your hired your employer will tell you want they want. For now they simply want proof that you have auto insurance. Source(s): Insurance Agent that has done this beforehand.
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