Overview of the Program

This program is designed for restaurants and food-service operators that use third-party drivers, owner-drivers, or employee drivers to deliver food. Coverage is monoline HNOA liability, with primary limits available up to $5,000,000 and defense costs outside the limit. The product is intended to sit as the primary hired/non-owned automobile liability for delivery operations where the restaurant needs a dedicated HNOA solution.

Ideal Accounts and Appetite

• Any type of restaurant that offers food delivery, including pizza shops, fast-casual concepts, and independent restaurants.
• Multi-location operations with up to 30 locations.
• Restaurants that need dedicated HNOA limits to address exposures from delivery drivers, third-party delivery services, and borrowed vehicles.

Accounts that typically do not fit include large national chains with complex centralized programs, operations with documented poor driving or claims history, or risks requiring admitted paper in jurisdictions where admitted placement is mandatory.

Coverage Highlights and Advantages

• Monoline HNOA liability — focused coverage for delivery exposures without bundling into general liability.
• Primary limits up to $5 million with defense outside the limit, providing extended limit protection for serious liability claims.
• Underwriting expertise from an MGA experienced in food-delivery exposures and access to capacity through General Star.
• Nationwide placement (see availability below) to support agents with clients operating in multiple states.

Underwriting Notes and Submission Requirements

Underwriting emphasizes driver screening, fleet controls, and claims history. To obtain a quote, submit the following:

• Completed industry standard applications
• Pizza & RD (Monoline HNOA) supplemental application
• Currently-valued loss information for the lines to be quoted (current year plus four prior years)
• Current drivers list
• Current MVRs for all owners, managers, and drivers (a random sample approach is used on larger accounts)

Underwriters may request additional information on driver training, delivery radius, use of third-party delivery platforms, and vehicle controls. Expect careful review of prior loss frequency and severity; high frequency loss accounts may be declined or subject to higher retentions.

Territories and Admitted Status

This program is available in all U.S. states except Louisiana. It is offered as a non-admitted/surplus lines product (not admitted in any state), and placement should follow surplus lines filing requirements in the insured’s state.

Why Work With Amwins on Pizza & Restaurant Delivery

• Specialized appetite: focused on the unique HNOA exposures of delivery operations.
• MGA servicing model: underwriting guidance and placement support from Amwins Program Underwriters with access to General Star capacity.
• Flexible limits and defense outside the limit for serious liability protection.
• Practical underwriting requirements: straightforward submissions centered on driver and loss information for quick, informed decisions.

Example scenarios

• You have a 12-location pizza chain that contracts with third-party couriers and needs separate HNOA limits to protect the parent company — this program can provide monoline HNOA limits up to $5M.
• You represent an independent restaurant offering in-house delivery with a small fleet of employee drivers and want primary hired/non-owned auto coverage with defense outside the limit — this program is a fit if the account has satisfactory driving controls and loss history.

Frequently Asked Questions

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