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They need to make it a requirement that their drivers carry liability insurance up to a certain limit and that they are listed as additional insured on the policy so that they would be notified if the policy cancelled. On top of this they need to make sure that they have their commercial insurance endorsed for "Hired and Non-Owned Auto Liability" coverage. The driver would be primarily responsible for any accidents and then the businessowner's insurance would cover the business only and not the driver.

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Q: Does a pizzeriaowner need to have insurance for delivery drivers?
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