Connecticut Calls on Auto Insurers to Extend Coverage to Personal Delivery Drivers

March 30, 2020

Connecticut Insurance Department Commissioner Andrew N. Mais has called on insurers to immediately institute an extension of coverage for personal delivery drivers in light of the disruption caused by the COVID-19 pandemic.

“The emergency social distancing and closing of restaurants under the necessary public health measures have contributed to a loss of income for both employees and businesses,” Mais said in a Connecticut Insurance Department press release. “We all need to support our local businesses, especially restaurants, who have switched to food delivery to keep their kitchens open and employees working.”

In a bulletin, the Connecticut Insurance Department has requested that all insurance companies offering auto and motorcycle liability Insurance coverage in Connecticut immediately expand coverage for the personal use of vehicles for certain commercial purposes. This will ensure delivery workers have adequate protection while using their personal vehicle to deliver food and/or medicine.

The department has strongly urged those carriers to consider implementation an endorsement wherever necessary, broadening coverage for those using their personal vehicle for commercial purposes during this coronavirus pandemic. This includes modifying terms, conditions and exclusions that may leave delivery drivers without liability and property coverage.

The bulletin is not intended to affect drivers who otherwise have coverage for deliveries or for drivers working for a transportation network company.

“We believe this action would be in the best interest of the public and for those who are working to deliver much needed food and medicine during this pandemic,” Mais added in the release.

Source: Connecticut Insurance Department

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