Setting Up for Delivery Service


      1. Check current coverage. Distribution model changes but overall operations stay the same.
        Your overall operations of the business haven’t changed (i.e. still food preparation & service), just the distribution model.


      1. Liability coverage need to extends to “Non-Owned Automobile” (NOA) protection. The insurer needs to know you now do delivery, as they may restrict or delete that coverage from the existing policy. If that occurs, a stand-alone policy can be purchased from ICBC.NOA protects the company in the event the company is brought into an action as a result of an at fault loss caused by an owner / employee driving a vehicle not owned by the company (thus NOA). This does not cover the vehicle or other liability related to its operation, merely the company if a NOA is used. This exposure is very likely if the restaurant is going to have employees use their own vehicles (or perhaps the owner’s vehicle that is not registered in the company name)


      1. Delivery Vehicles need to be rated correctly with ICBC (passenger vehicles & perhaps light duty trucks  rate class013). There is a provision in many ICBC categories that would allow the vehicle to be used up to 6 times / month for this purpose without having to change the rate class to 013. Check with your broker.


      1. Check with the Group Plan administrator & WorkSafe BC, as the risk to potential disability claims has changed if the employee is delivering.




For more info please contact Greg Garrison
Commercial Manager, Westland Insurance Group Ltd.


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