Commercial Auto Insurance
Commercial auto insurance is insurance coverage for vehicles used for business purposes, protecting against liability for accidents and physical damage to the vehicles.
What You Need to Know
If your restaurant owns delivery vehicles or employees use their personal cars for deliveries, catering transport, or supply runs, you need commercial auto coverage. Personal auto policies exclude business use.
Essential coverage types:
- Non-owned auto liability — covering employee personal vehicles used for business
- Hired auto liability — covering rented vehicles used for business purposes
Both should be included in your policy if employees ever drive for your restaurant.
Why It Matters for Restaurant Owners
Food delivery is increasingly essential for restaurant revenue, but it creates major liability exposure. If your delivery driver causes a $500,000 accident, your business will be sued alongside the driver.
Critical warning: if using third-party delivery services like DoorDash, verify their insurance covers you adequately — it often doesn't. Confirm your own policy includes non-owned and hired auto liability before you assume you're protected for catering transport, supply runs, or bank deposits made in employee-owned vehicles.
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