RPS offers a competitive nationwide Hired and Non-Owned auto coverage product for hard-to-place risks, covering any type of fast food or other restaurant delivery (including food delivery, food couriers, and caterers) as long as there is no time guarantee.

Restaurants with staff delivering food using a personal vehicle, whether the staff member is an employee or independent contractor, have a Hired and Non-Owned coverage exposure. Additionally, food couriers—those that pick up food from multiple restaurants and then deliver—are becoming a popular service across the nation and must be covered whether the delivery person is an employee or an independent contractor.

Hired & Non-Owned Auto Insurance Coverage Highlights

  • Standalone coverage
    • Excess of a deductible or SIR or
    • Excess of a primary H&NOA insurance policy with limits as low as the state financial responsibility limits
  • Can write excess/umbrella over other H&NOA carriers
  • $100,000 to $5M capacity

Meet our Hired & Non-Owned Auto Insurance Team

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