What is Hired Auto Liability/Dominos Pizza Franchisee Program?
The Hired Auto Liability/Dominos Pizza Franchisee Program is a specialized commercial auto insurance solution designed for Domino's Pizza franchisees who use non-owned vehicles for business purposes. This coverage helps protect franchise operators from liability claims related to accidents involving vehicles they rent, lease, or borrow to support delivery operations or business logistics.
Whether you’re managing one location or several, the program addresses a unique risk exposure for Domino's franchisees—transportation risks involving drivers who use personal or rented vehicles for deliveries. Without this coverage, a single accident could expose your business to significant liability.
Who Needs It
This insurance is essential for Domino's Pizza franchise owners who either employ delivery drivers using personal vehicles or occasionally rent vehicles for business operations. It’s especially valuable for operators lacking a company-owned vehicle fleet but still facing commercial auto exposure.
Franchisees participating in delivery operations or hiring third-party drivers can benefit from this added layer of liability protection.
What it Typically Covers
The Hired Auto Liability coverage typically includes:
- Third-party bodily injury and property damage liability
- Legal defense costs related to covered claims
- Accidents involving rented or employee-owned vehicles used for business
This program may also integrate with broader commercial liability policies for pizza franchisees, creating a more comprehensive risk management package.
Common Exclusions or Limitations
While coverage is robust, it typically excludes:
- Damage to the hired or non-owned vehicle itself
- Intentional acts or criminal activity
- Personal use of vehicles unrelated to business operations
Franchisees should review policy terms carefully to understand specific exclusions and coordinate with their risk management strategy.
Factors that Influence Cost
Premiums for this type of coverage can vary based on several underwriting factors, including:
- Number of delivery drivers and frequency of vehicle use
- Driving records of employees
- Territory and local traffic patterns
- Overall claims history and safety protocols in place
Ensuring drivers have clean records and maintaining proper training can help reduce long-term costs.
Proof of Insurance & Compliance
Many Domino's Pizza franchise agreements or local regulations may require proof of hired and non-owned auto liability insurance. Maintaining active coverage can help ensure operational compliance and mitigate liability exposure in case of an accident.
A typical risk scenario might involve a delivery driver in a personal vehicle causing a traffic accident while on the job—without proper coverage, the franchise could face costly legal claims.
How to Get a Quote
To get started, gather details about your delivery operations, driver count, and vehicle usage patterns. Our specialists can help tailor a policy that fits your franchise's needs. Request a quote today and take the next step in protecting your business.
For additional coverage insights, explore our Non-Owned/Dominos Pizza Franchisee Program or learn more about delivery-related protection through the Delivery Dominos Pizza Franchisee Program Insurance.
Frequently Asked Questions
Is hired auto liability coverage required for Domino’s franchisees?
While not legally required in all areas, many franchise agreements and risk advisors strongly recommend it for delivery operations using non-owned vehicles.
Does this policy cover damage to the delivery vehicle?
No, hired auto liability typically only covers damage or injury to others. Damage to the driver’s vehicle would require separate physical damage coverage.
Can I combine this with other franchisee insurance policies?
Yes, many franchisees integrate this with general liability, workers’ compensation, or employment practices liability insurance for broader protection.
What types of vehicles are covered under this program?
Coverage generally applies to vehicles rented, leased, or borrowed for business use, as well as employee-owned vehicles used for deliveries.
How do I prove I have this insurance?
You’ll receive a certificate of insurance, which can be shared with franchisors or local regulators as needed.
Still have questions? Talk to a local insurance expert.