A local floral delivery driver delivers flowers in Albany, New York, U.S., March 12, 2021. REUTERS/Angus Mordant
April 26, 2022 - Following the great resignation of 2021 and the height of the COVID-19 pandemic, two things remain in high demand: home delivery and workers.
What potential delivery drivers (and their employers) might not realize, however, is that the driver's personal auto policy may not cover accidents that happen while they are making deliveries in their own car.
Consider the following scenario:
A retired father with a little too much time on his hands goes on an afternoon walk in his small town to get his 10,000 steps a day. Mother's Day is next weekend, so he pops into a local flower shop to get some ideas.
He asks the shop owner about the best flowers to give his wife on Mother's Day. He mentions that he would like the flowers to be delivered to his home.
This sends the shop owner reeling — complaining about personnel shortages and lamenting that she cannot seem to offer a wage high enough to get extra delivery drivers to work on one of her busiest days — Mother's Day.
In the middle of this discussion, the father gets a phone call from his wife. He learns that she is actually going to be out of town on Mother's Day because she is taking a trip to visit her own mother that day.
Excited that he dodged a trip to his mother-in-law's home, the father tells the shop owner he would be happy to help her out if she really needs delivery drivers that badly. The...
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