Having proper risk management controls in place will help you prevent accidents and can reduce your pizza delivery insurance costs. Following these recommendations will strengthen pizza delivery risks against claims and can also reduce your pizza delivery insurance costs.

Pizza Delivery Risks Management Tips

• Have a Written Distracted Driving Policy: Develop and implement a written distracted driving policy for all drivers to reduce the possibility of a serious accident. The policy should include the following:
  • Language that includes acceptable cell phone use;
  • Bans PDA or other types of communication devices when driving (including email);
  • Specifically ban texting while driving;
  • Communicate that accidents occurring while driving will be considered preventable and the driver will be subject to disciplinary action.
  • Drivers need to know that holding a phone, reaching for a phone dialing a phone, and texting are dangerous and prohibited.

• Schedule Driver Meetings: Have a scheduled meeting in place before each delivery shift & review the following with drivers:
  • Make certain drivers are not under the influence of any substance and are well rested;
  • Remind delivery drivers that delivery times are not guaranteed;
  • Remind delivery drivers that carrying passengers is prohibited;
  • Review weather & discuss any adverse road conditions, if necessary suspend delivery operations during sever weather conditions;
  • Confirm the delivery drivers vehicle is in good operating order without any mechanical issue.

• Confirmation of Personal Insurance for Delivery Drivers: Pizza delivery insurance coverage includes protection for non owned autos. Non-Owned Auto Insurance protects your business against liability for bodily injury or property damage resulting from the use of your drivers delivery vehicles. This coverage does not provide personal liability for the delivery driver nor for any damage to the employee’s auto.
  • Keep proof of insurance on file for the delivery driver and make certain it includes the effective and expiration dates, and coverage limits;
  • Spot check and request an updated proof of insurance from your delivery driver to confirm their auto insurance policy is in good standing;
  • Confirm with your delivery driver that their auto policy does not have a delivery exclusion, if there is any such exclusion in place they have no insurance while the vehicle is used for delivery and it will not cover their personal liability if they cause bodily injury or damage to another person and/or their property, or for any collision damage caused by their vehicle;
  • Make certain that the delivery driver is aware if they are involved in an accident that causes bodily injury or property damage to another person or property it is their insurance that would be primary for payment of the damages.

The purpose of following these pizza delivery risks management tips is to strengthen your risk management program which will help you prevent accidents and make you a more desirable insured for an insurance company.