What is Non-Owned/Dominos Pizza Franchisee Program?
The Non-Owned/Dominos Pizza Franchisee Program is a specialized insurance solution designed to help protect Domino’s franchise owners from liability associated with vehicles they don’t own but use for business purposes. This coverage is particularly important when employees use their personal vehicles to deliver orders or run business errands.
Who Needs It
This program is ideal for Domino’s Pizza franchisees who rely on employee-owned vehicles for delivery or other business operations. Even if your business doesn’t own or lease vehicles, you could still be held liable for accidents involving employee vehicles used on company time. This insurance helps reduce that risk.
What It Typically Covers
Non-owned auto liability coverage under this program generally includes:
- Third-party bodily injury and property damage caused by employees driving their own vehicles for business purposes
- Legal defense costs associated with covered claims
- Supplemental liability protection beyond a personal auto policy
Some programs may also include hired auto coverage for vehicles rented or leased by the business.
Common Exclusions and Limitations
Coverage does not typically apply to:
- Vehicles owned, leased, or registered in the business's name
- Non-business-related use of employee vehicles
- Intentional acts or criminal activity
- Damage to the employee’s own vehicle
Each policy can differ, so it’s important to review the terms with your insurance provider.
Factors That Influence Cost
Premiums for this type of insurance can vary based on:
- Number of delivery drivers and locations
- Driving records of employees
- Frequency and distance of deliveries
- Claims history of the franchise location
Insurers may also consider safety measures in place, like driver training or GPS tracking systems.
Proof of Insurance & Compliance
Some states and franchisors may require proof of non-owned auto liability coverage as part of compliance. This documentation helps demonstrate that your franchise is taking appropriate steps to manage delivery-related risks. Be sure to keep current certificates of insurance (COIs) on file and accessible.
How to Get a Quote
Getting the right coverage starts with understanding your franchise’s specific needs. Our team can help tailor a policy for your Domino’s Pizza location. Get a quote today.
Frequently Asked Questions
Does my personal auto insurance cover business use of my car for Domino’s deliveries?
Most personal auto policies exclude coverage for business use like food delivery, which is why franchisees need non-owned auto liability insurance.
Is this insurance required for all Domino’s franchisees?
Requirements vary by franchisor and location. Many Domino’s franchise agreements strongly recommend or require this coverage.
Does this policy cover damage to the driver’s personal vehicle?
No, non-owned auto liability insurance covers damage to others, not the employee’s own vehicle. Drivers should maintain their own physical damage coverage.
Can I add hired car coverage to this program?
Yes, many insurers offer hired auto coverage as an add-on to protect vehicles you rent or lease for business use.
What happens if an uninsured driver causes an accident during delivery?
If the driver is working for your business at the time, your non-owned auto liability policy may provide coverage, depending on policy terms.
Still have questions? Talk to a local insurance expert.