Delivery vehicles
Review vehicles used to deliver meals, supplies, or products on behalf of the restaurant.
RESTAURANT BUSINESS VEHICLES
Commercial Auto Insurance for California Restaurants
Restaurant vehicle exposure depends on how vehicles are owned, scheduled, driven, and used. Asena Capital helps California restaurants review delivery, catering, food-truck, hired, and non-owned auto needs without assuming every restaurant needs the same policy.
Catering and food trucks
Catering vans, food trucks, trailers, and scheduled business vehicles may create different coverage questions.
Hired and non-owned auto
Vehicles employees or contractors use for business may require a separate HNOA review depending on the operation and policy terms.
When should a restaurant review Commercial Auto?
A restaurant should review Commercial Auto when it owns, leases, or regularly uses vehicles for business operations. Examples can include delivery vehicles, catering vans, food trucks, supply vehicles, and other scheduled business autos.
Why personal auto may not answer the business question
Personal auto policies and commercial auto policies are different products. California’s Department of Insurance explains that a Business Auto Policy can be structured for business, personal, hired, or non-owned autos based on the coverage purchased and scheduled vehicles.
What the review may consider
Vehicle type, ownership, garaging, radius, drivers, delivery or catering activity, food-truck or trailer use, contracts, loss history, and required limits may all affect eligibility and terms. Final coverage is subject to underwriting.
Restaurant insurance questions
Does a restaurant need Commercial Auto for delivery?
A restaurant using owned or scheduled vehicles for business delivery should review Commercial Auto. The correct structure depends on the vehicles, drivers, use, and policy terms.
What is hired and non-owned auto for a restaurant?
Hired and non-owned auto coverage may address certain business-use exposures involving vehicles the restaurant does not own, subject to the policy and underwriting. It does not automatically replace every other auto coverage.
Can a restaurant combine its Workers’ Compensation and Commercial Auto review?
Yes. The restaurant quote path can identify both coverage needs so a broker can review them together while keeping each policy’s purpose clear.