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State of Colorado – Removing Restrictions on Insurance Coverage for Restaurant Delivery Drivers

Agency / Department: State of Colorado

Resource: Removing Restrictions on Insurance Coverage for Restaurant Delivery Drivers

Details: In an effort to protect these workers and their vehicles, the DOI’s emergency regulation 20-E-03 removes restrictions on two different types of auto insurance for the duration of Public Health Order 20-22. For restaurants that already have commercial automobile policies for drivers, the regulation allows those policies to cover new, unnamed drivers that will be put into delivery service during the COVID-19 emergency. If a restaurant does not have a commercial policy, the regulation allows employees to use their own personal auto insurance for their vehicle. The regulation removes the restriction for the restaurant employee’s personal insurance that would usually prevent commercial activity like food delivery. However, the regulation does not apply to workers who regularly deliver food or who work for other services not impacted by the restaurant closure that was part of Public Health Order 20-22.

Link: https://www.colorado.gov/governor/news/restaurant-workers-can-now-deliver-food-less-red-tape-and-insurance-delays

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