Bill > A01823

This bill requires delivery network companies to ensure that primary automobile liability insurance is in place during the delivery available period and delivery service period, which covers drivers in their personal vehicles while using a digital network to provide delivery services. The bill defines key terms such as "delivery network driver" (an individual providing independent delivery services using a personal vehicle), "delivery available period" (when a driver is logged on and ready to receive delivery requests), and "delivery service period" (from when a driver starts en route to pick up goods until delivery is complete). The legislation mandates that insurance policies must provide specific coverage amounts for bodily injury and property damage, ranging from $50,000 to $100,000 depending on the type of claim. If a driver's personal insurance does not cover the delivery period, the delivery network company's insurance must provide coverage from the first dollar of a claim. The bill also requires delivery network companies to disclose insurance details to drivers, maintain commercial general liability insurance, and cooperate with insurers during claims investigations. Additionally, the bill allows insurers to exclude coverage for delivery-related activities and does not limit insurers' ability to underwrite or cancel policies. The legislation aims to clarify insurance responsibilities for delivery drivers and companies, protecting both drivers and potential third-party claimants.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/A1823