Where can I get Insurance for a "Restaurant Delivery Service"?

I am starting a "Restaurant Delivery Service" (A delivery service for restaurants that do not already deliver, ie TGI Fridays) and am in need of insurance. Not car insurance but insurance for my business. My understanding is that very few insurance companies offer insurance for this type of business, but I know there are definitely a few. Who are they? Can anyone help me please. Thank you.

There are 3 independent offices in Phoenix that insure anything that no one else will. You pay triple the rate for the first year. Double the 2nd year. Then you pay good rates for the next 30 years if you didn’t have any huge claims in the first 2 years. You have to make some phone calls..

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4 Responses to “Where can I get Insurance for a "Restaurant Delivery Service"?”

Randy P on August 1st, 2009 at 3:20 am

Look in the phone book under insurance. Find and Independent Agent (They represent many different carriers). Ask them if they handle commercial policies. Tell them what the business is and they will take some information from you and have you fill out an application. The application will be submitted to several carriers. The one with the best coverage and price is the one that the agent will recommend.
References :
20 years in insurance business
mbrcatz on August 1st, 2009 at 4:05 am

Yep, you need a commercial auto policy, and can get general liability for the other part.

You can’t buy this directly yourself. You will need an independent agent to shop this out for you. Who will do it? Well, it will depend on what STATE you are in.

If you call the direct writers – State FArm, Nationwide, Allstate, Farmers, they won’t touch this kind of business, or a startup business.

Find a local, independent agent at http://www.iiaa.org. There are LOTS of companies that will do this. NONE of them will talk directly to the customer.
References :
GARY T on August 1st, 2009 at 4:44 am

Nice design, resourceful information,user-friendly layout should be a good solution to your questions.

References :
Ed Atun on August 1st, 2009 at 4:50 am

There are 3 independent offices in Phoenix that insure anything that no one else will. You pay triple the rate for the first year. Double the 2nd year. Then you pay good rates for the next 30 years if you didn’t have any huge claims in the first 2 years. You have to make some phone calls..
References :

Italian Restaurant