Delivery Driver Liability.  Are You Covered?  Are You Sure!

The insurance question most asked by Pizzeria owners is, “How are my delivery drivers covered?”  “If my driver runs a stop sign and crashes into the side of someone, am I responsible?  Am I covered?”

The sad truth is, many Pizzeria owners mistakenly believe they are covered by their drivers insurance.  THEY ARE NOT!

As the owner, every time your driver leaves the store he is not only carrying a pizza, but all your assets.  EVERYTHING!  You are responsible for what your employees do.

A Brief Discussion of Risk Management

Listen- the large Pizza Franchise companies have whole departments dedicated to Risk Management.  There have been hundreds of books writeen on Risk Management (I’ve read alot of them too!), but you can boil them all down to the following process:

• Identify your risk.
• Quantify your risk.  The worst case scenario.
• Eliminate the risk you can.
• Retain the small risks.
• Transfer large risks like delivery driver liability.

The bottom line:  there are times when the result of the Risk Management Process clearly says-”Just buy the Insurance.”

Avoiding Disaster…Learn What EVERY Business Owner Needs to do NOW!

Avoid Disaster