Hired and non-owned auto liability coverage helps protect franchisees when employees drive rented or personally owned vehicles for business purposes. For Domino’s Pizza delivery and catering operations, this coverage addresses liability exposures that commercial liability policies or standard business auto plans might not fully cover.
What is Hired and Non-Owned Auto Liability/Dominos Pizza Franchisee Program?
This program provides liability protection when vehicles not owned by the franchisee are used for business tasks — for example, rented trucks, employee-owned cars used for deliveries, or borrowed vehicles. It sits alongside other commercial auto exposures and complements general liability and property coverage for the storefront.
Who needs it
Franchisees and operators with delivery drivers, catering operations, or staff who routinely use personal or rented vehicles for business commonly seek this coverage. Small business owners, restaurant operators, and franchise managers use it to address transportation risks tied to delivery services and third-party vehicle use.
What it typically covers
- Bodily injury and property damage liability when a non-owned or hired vehicle causes an incident while used for business purposes
- Defense costs associated with covered liability claims
- Supplemental protection where employee personal auto policies exclude business use
Some franchise programs bundle terms specific to restaurant operations — see the Hired Auto Liability/Dominos Pizza Franchisee Program description or the Non-Owned / Domino's Pizza Franchisee Program for program details tailored to delivery operations.
Common exclusions or limitations
Most policies exclude deliberate acts, non-business personal use, and incidents where the owner’s primary auto policy already applies. Exclusions and limits can also vary by underwriting factors such as driver history, vehicle types, and whether the vehicle is licensed for commercial use.
Factors that influence cost
Premiums depend on the number of drivers, claims history, average delivery distance, vehicle types, and controls in place. Risk management considerations — such as driver training, vehicle maintenance, and clear delivery policies — can reduce exposure and influence underwriting.
Proof of insurance & compliance
Franchise agreements and local requirements may require certificates of insurance showing hired/non-owned limits and endorsements. Keep copies available for inspections and vendor or corporate reviews. For program comparisons specific to pizza franchise operations, you may review the Non-Owned Auto/Pizza Franchisee Program.
How to get a quote
Collect basic information: number of delivery drivers, estimated business miles, drivers’ records, and any existing commercial auto or liability policies. Discuss these details with your broker or, if you prefer, talk to your agent to request tailored quotes and confirm compliance requirements for your franchise.
Risk scenario: a delivery driver involved in a collision while on a business run could expose the franchise to third-party injury and property claims — hired/non-owned coverage helps address that gap when the vehicle isn’t owned by the business.
Frequently Asked Questions
Do personal auto policies cover business deliveries?
Often they do not — many personal policies exclude business use. Hired/non-owned coverage fills that gap for business-related driving when the vehicle isn't owned by the franchisee.
Is this required by Domino’s or local authorities?
Requirements vary by franchise agreement and jurisdiction. Check your franchise contract and local rules to confirm required limits and endorsements.
How do driver records affect pricing?
Underwriting typically reviews driver histories; more violations or accidents can increase premiums or lead to restrictions on coverage.
Still have questions? Talk to a local insurance expert.