S
system
Guest
From another thread: Driver’s auto insurance
(didn’t want to hijack that thread)
bodegahwy:
(didn’t want to hijack that thread)
If it is so easy to pass on this cost to the customer, why not pay drivers 55 cents per mile and pass that cost on to the customer also?You are nuts to be in the delivery business and not protect your interests. If one of your drivers gets in a bad accident, or has not paid their insurance bill or some other thing you will be sued. Just defending the suit could cost you your business even if you win.
Your driver’s auto insurance DOES NOT COVER YOU or your business. If you are named in a suit (and you will be) the driver’s insurance will not defend you. You will also find that your general liability coverage excludes delivery (unless you have lied to your insurance company and told them you do not deliver, in which case they will not cover you anyway)
Who has assets to go after? Your delivery driver? You? Your business? Your investors? Whoever has the assets is who will be pursued.
Add 30-40 cents to your delivery charge and buy the insurance!