If anyone has input on Commercial Auto options for a Kentucky Restaurant. 10-15% of sells generated by delivery, I need owned auto coverage for one vehicle, two drivers, both of whom are owners.
Are standard markets (ie. Nationwide / Liberty Mutual) declining? I have seen them both entertain incidental delivery exposure when it is done via owned autos (as they can surcharge and get the premium for it, as opposed to non-owned auto). Of course, they'd likely leverage the other lines as well (Property, GL, WC).