Not rendering correctly? View this email as a web page here.

ah logo@2x




Offer your restaurant & bar clients
Hired and Non-Owned Auto Coverage


On March 23, Mark Afable, Wisconsin Commissioner of Insurance, issued an order regarding this important coverage. (See below.)

Meanwhile, Arrowhead Core Commercial had already began implementation of this important coverage for your insureds last week.  If you would like to add coverage, please request coverage as soon as possible.

Send any request for coverage to

Please provide the following:

  • Driver information (name, date of birth, driver’s license number)
  • Copy of employee’s personal auto policy with liability limits of $300,000 CSL or split limits of $100,000/$300,000/$100,000

Should you have any questions, please reach out to your underwriter.


Excerpt from the Commissioner’s memo 

Hired and Non-owned Auto Coverage

"It is common for restaurants who employ delivery drivers who use their own car to obtain hired and non-owned auto coverage for liability incurred by those drivers. This is often offered as a rider to a commercial general liability policy. Since many of the restaurants who may begin delivery services did not anticipate the need for this coverage, it is likely that their commercial general liability policy will not include a hired and non-owned auto coverage rider. OCI further believes that it would be impractical and untimely for these restaurants to shop for coverage that includes coverage for non-owned autos.

For these reasons, OCI orders all insurers who provide commercial general liability coverage to a restaurant to notify their restaurant insureds that hired and non-owned auto coverage is available if requested. If the insured restaurant requests hired and non-owned auto coverage, the insurer shall, either through a rider or stand-alone policy, provide this coverage to any insured restaurant. 

This order shall apply to all commercial general liability policies in effect on or after March 17, 2020. The coverage afforded shall be effective upon the date it is requested. Insurers who offer retroactive coverage may request that the insured certify that they have not incurred any potential claims in the period of retroactive coverage. This order shall remain in effect until the public health emergency order is lifted, in whole or in part, to permit restaurants to resume normal operations.”


Best Regards,

Karen Leet, CPCU, ALCM
AVP Underwriting Manager, Arrowhead Core Commercial


Please be advised that any and all information, comments, analysis, and/or recommendations set forth above relative to the possible impact of COVID-19 on potential insurance coverage or other policy implications are intended solely for informational purposes and should not be relied upon as legal advice. We have no authority to make coverage decisions as that ability rests solely with the issuing carrier. Therefore, all claims should be submitted to the carrier for evaluation. The positions expressed herein are opinions only and are not to be construed as any form of guarantee or warranty. Finally, given the extremely dynamic and rapidly evolving COVID-19 situation, comments above do not take into account any applicable pending or future legislation introduced with the intent to override, alter or amend current policy language.