Due to the COVID-19 emergency and the need for customers to stay home, many restaurants and other businesses have been thrust into delivery activity they did not have time to prepare for. During this time, customers may be using their insured vehicle or motorcycle to deliver food, medicine or other goods. While a State of Emergency is in place, coverage is being extended for customers under their personal auto or motorcycle policy who are now making commercial deliveries, using their insured vehicle or motorcycle, to help them stay protected. No customer action is necessary, this coverage is being added to all auto and motorcycle policies, at no additional cost. Refer to the FAQ for more information.
A State of Emergency has been declared in 50 states and Washington, D.C. related to the COVID-19 Virus. During this time, customers may be using their insured vehicle or motorcycle to deliver food, medicine or other goods. The personal auto and motorcycle policies exclude coverage for commercial activity. While a State of Emergency is in place, coverage is being extended for customers under their personal auto or motorcycle policy who are now making commercial deliveries, using their insured vehicle or motorcycle, to help them stay protected.
- No customer action is necessary. This coverage is being added to all auto and motorcycle policies, at no additional cost.
- Effective the date the Governor of your state declared a statewide State of Emergency related to the outbreak of the COVID-19 Virus.
- Once the COVID-19 State of Emergency has ended, the endorsement for commercial delivery terminates and will no longer apply to the customer’s insurance policy.
- This coverage extension does not apply to commercial activity outside of deliveries.
- Ordinarily, business would obtain commercial coverage for their deliveries. However, due to the COVID-19 emergency and the need for customers to stay home, many restaurants and other businesses have been thrust into delivery activity they did not have time to prepare for.
See below for more FAQ’s
