Platinum Hired and Non-Owned Auto
Formerly Knows as IPC

Platinum Hired and Non-Owned Auto

Platinum HNOA provides protection for businesses that hire drivers to make deliveries on the store owners behalf. We offer competitive premiums for up to $1,500,000 CSL in hired and non-owned auto liability.

Available in all States with the exception of Florida, Louisiana and New Jersey.

Target classes include: Restaurant Food Delivery, Food Couriers, Grocery Delivery, Liquor Delivery, Caterers, Meal Delivery Kit, and Ghost Kitchen Delivery.

Restaurant Food Delivery

HNOA for restaurants that deliver their own food

Restaurant Food Delivery

HNOA for restaurants that deliver their own food

Food Couriers

HNOA for businesses that deliver food for others

Food Couriers

HNOA for businesses that deliver food for others

Grocery Delivery

HNOA for businesses that deliver food for others

Grocery Delivery

HNOA for businesses that deliver food for others

Liquor Delivery

to the consumer only. Ie liquor store delivers to customer OR restaurant delivering with food

Liquor Delivery

to the consumer only. Ie liquor store delivers to customer OR restaurant delivering with food

Caterers

employees use employee autos to deliver catering orders.

Caterers

employees use employee autos to deliver catering orders.

Meal Kit Delivery

a subscription foodservice business where a company sends customers pre-portioned and sometimes partially prepared food ingredients and recipes to prepare home-cooked meals.

Meal Kit Delivery

a subscription foodservice business where a company sends customers pre-portioned and sometimes partially prepared food ingredients and recipes to prepare home-cooked meals.

Ghost Kitchen Delivery

Also referred to as micro-cloud kitchens or virtual kitchens. A business, that prepares food at a commercial kitchen that was ordered online for delivery directly to customers. There is no dine-in option.

Ghost Kitchen Delivery

Applications and Forms for Hired & Non-Owned Auto

Food Delivery App

Miscellaneous Auto Application

Driver Qualification Check Sheet

Auto Inspection Sheet

Platinum Hired and Non-Owned Auto
Formerly Knows as IPC