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We're here to help Arrowhead Core Commercial Producers

As you know, a National Emergency was declared over COVID-19. In response, we have fully implemented our business continuity plan to seamlessly remain ready to meet both your and your customers’ needs while playing our part in trying to manage the spread of the coronavirus. As of yesterday, our underwriting teammates are working from home.

We are fully operational and here to help you anyway we can. 

RESTAURANTS – Hired and Non-Owned update to meet changing needs

Restaurants are currently one of the hardest-hit businesses and are quickly changing and adapting to a new normal to service their customers.  Many restaurants are moving to selling prepared meals, curbside pickup and delivery through Grubhub, other delivery services or their own drivers.  In response to this we are offering to extend coverage for Hired and Non-Owned with the following guidelines:

  • Loss Experience - No losses in past 5 years for hired/non-owed auto liability.
  • Confirmation of Employee’s Personal Auto Liability Coverage and Limits - Employer has to obtain a copy of the employee’s personal auto insurance that shows a minimum of split limits of $100,000 per person / $300,000 per accident / $100,000 property damage or a Combined Single Limit of at least $300,000.
  • Copy of Personal Auto Declarations Page or Certificate of Insurance in our file - Underwriter confirms and documents the file adequate personal insurance with proper limits per each employee driver is obtained.
  • Complete Driver Information and Clean MVRs - submit a complete list of drivers’ names and their licensing information to order MVRs on each delivery driver. MVRs on each driver must be clean for past 3 years.


Please contact your Arrowhead Core Commercial Underwriter for more details.  

We are researching other ways (Audits and Loss Control timing and methods) in which we can help our agents and customers work through these unprecedented times. 

Please contact me with any questions or ideas on how we can better serve you and our customers.

Keep your distance and hands clean, and we will get through this together.  We will be in touch again soon with more updates.


Best Regards,

Walter Grote
President, Arrowhead Core Commercial