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it applies when the app is open and
they are “on the clock” but not
specifically delivering food.
The growing restaurant delivery
industry could also face regulatory
challenges in the near future. In 2016,
Regardless, Am WINS’ Managing
Director Keith George said the issue
is coming to the forefront as more
restaurants offer delivery services.
He said both restaurants and their
product at that particular time [during]
the accident? Sure, I think a creative
attorney could argue that,” said George.
CARRYING COMPLEX RISKS
More restaurants are also using
food trucks as a means to bring their
culinary creations to events and
high traffic areas. “Mobile Cuisine”
magazine reports that in 2015, 4,130
food trucks pulled in $1.2 billion in
Food trucks house complex risks
because they add all the components
of a restaurant to a moving vehicle
that often operates on someone else’s
property. Denny Christner, consultant
and sales manager at Brown & Brown
“It’s often a mess when they get
to us and we have to clean it up
and get them the right coverage.
Sometimes it’s more expensive and a
hard pill to swallow but most savvy
business owners understand that,” said
As mobile food solutions increase,
more insurers are entering what has
traditionally been considered a high-risk market. George said until recently
there have been limited providers
in the field due to high turnover of
delivery employees; forcing insurers to
frequently change their insured parties.
“The bottom line is that it tends to
be more of a severity-driven risk versus
a frequency risk,” said George. &
CRAIG GUILLOT is a freelance writer based
in New Orleans. He can be reached at
contract drivers should have their own
insurance policies in place.
In the case of UberEATS, where a
driver may be delivering for multiple
restaurants in the area at the same
time, determination of liability in court
could be foggy.
“Could the restaurant owner be
drawn into a claim if the delivery
driver was happening to deliver their