Bill > HB1789

This bill establishes the Delivery Network Company Insurance Act, which creates comprehensive insurance requirements and standards for companies that use digital platforms to connect customers with drivers for goods delivery services. The legislation defines key terms such as "delivery network company", "delivery network company driver", and establishes distinct insurance coverage periods: the delivery availability period (when a driver is logged in and ready to receive delivery requests) and the delivery service period (when a driver is actively picking up or delivering goods). The bill mandates that delivery network companies must provide primary motor vehicle liability insurance with minimum coverage of $50,000 per person for bodily injury, $100,000 for total bodily injury per accident, and $25,000 for property damage. Drivers must carry proof of insurance and disclose coverage information in case of an accident. The legislation also clarifies that delivery network company drivers are independent contractors, not employees, and provides guidelines for how insurance coverage applies during different stages of delivery services. Importantly, the bill allows insurance companies to exclude coverage for claims occurring during delivery periods and provides mechanisms for insurers to manage and investigate claims. The provisions of this act will become effective on October 1, 2027, giving companies time to prepare for the new insurance requirements.

Business and Industry

https://house.mo.gov/Bill.aspx?bill=HB1789&year=2026&code=R