Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.

 

 

 

 

Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.

 

Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!

 

Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.

 

How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:

 

  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members

 

American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!

 

Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Short-Term Policies for Food Delivery Insurance

As the Coronavirus continues to spread across the country, most non-essential businesses are closed nationwide. Although dining in isn’t allowed, restaurants are still allowed to open since they are considered an essential business.  Many restaurants are offering food delivery (even if they didn’t before) since it is allowed. Restaurants new to food delivery might need to purchase additional coverage with a Short-Term Food Delivery Insurance Policy.

It’s a whole new world of self -isolation and government-imposed quarantining. So, what does that mean for every-day life? Well, it’s completely changed as we know it. With that decision, many restaurants have revised their menus and implemented delivery to customers instead. Some are even selling their signature cocktails to-go.

However, what most businesses don’t realize is that allowing your employees to drive their cars to deliver food is not covered under their personal auto insurance. This is why a Short-Term Food Delivery Insurance policy may work for you or someone you know.

Insurance for Delivery Businesses During COVID-19

First off, to ease your mind a bit about potential liabilities, the FDA’s current position is that “there is no evidence to suggest that food produced in the United States can transmit COVID-19.” Furthermore, they went on to say that there is “no evidence of food or food packaging being associated with transmission of COVID-19.”

As always, as long as the food is prepared safely, the risk is low. Information around COVID-19 continues to change, but current evidence seems to point to food delivery as a less risky option than exposing yourself to a grocery store, bringing the bags and items into your home and preparing the food yourself.

Essentially, the major risk of dining within a restaurant is touching a table, counter, or other surface that someone who is contagious may have touched.

Because delivery businesses have become so important during this outbreak, it’s important for employers to get food delivery insurance.

New Short-Term Food Delivery Insurance Program

Whether offering food delivery is a permanent business change or temporary, we have access to a new program which is writing short-term food delivery insurance for restaurants.

food delivery insurance
Many restaurants are delivering food with tamper controls so you can be sure your food was untouched during delivery.

This program is written by an A.M. Best rated “A” X carrier and can accommodate a wide range of classes that have been affected by COVID-19. To contact an ABI producer for more information, click here.

Product highlights include:

  • Monoline coverage
  • 3- or 6-month policy
  • Quick turn-around time
  • Non-auditable policy
  • Limit options of $300K, $500K, $1M CSL
  • Deductible $2,500
  • Offering short term policies starting at $1,500
  • MVR screening service provided
  • Symbols 8 & 9 (hired and non-owned autos) commercial auto liability
  • No restrictive warranties
  • Available in all states except MI

 

Keeping Food Delivery Workers Safe

Many delivery companies have issued guidelines for workers during the outbreak, as Business Insider pointed out, and many of those same workers have taken additional precautions to keep themselves safe. Drivers and delivery workers for Uber, Lyft, and DoorDash told Business Insider they’re scouring their cars with bleach and cutting back on hours.

Even so, if you do opt for your restaurant to deliver food during the outbreak, consider implementing non-contact services. Also, advertise that you require your drivers to practice good hygiene, especially hand-washing. If you can, provide masks to your employees to protect themselves if they are not practicing contact-less delivery.