Been delivering for 25 years and never knew we would need a policy to cover our business should our driver get into an accident with their own vehicle. Our drivers use their own cars and their own insurance policy. I asked the company who insures our business about non owned delivery insurance and they told me they cannot find one company to add this coverage to my policy?! Our business is a corporation, so if my driver hits someone are we screwed? We have an umbrella policy on our homeowners insurance, would that cover us?