Bill > SB915

This bill creates the "Delivery Network Company Insurance Act", which establishes comprehensive insurance requirements for delivery network companies (DNCs) and their drivers. The legislation defines key terms such as "delivery availability period" (when a driver is logged into a digital network but not actively delivering), "delivery service period" (when a driver is en route to or completing a delivery), and clarifies that DNC drivers are independent contractors. The bill mandates that DNCs provide primary motor vehicle liability insurance during both the delivery availability and service periods, with minimum coverage of $50,000 for bodily injury per person, $100,000 for total bodily injury, and $25,000 for property damage. If a driver's personal insurance lapses or is insufficient, the DNC's insurance must provide coverage from the first dollar of a claim. The legislation also requires drivers to carry proof of insurance, disclose insurance information in the event of an accident, and requires DNCs to inform drivers about insurance coverage and potential gaps in personal vehicle insurance. Additionally, the bill allows insurance companies to exclude coverage for claims during delivery periods and does not prevent insurers from underwriting, canceling, or non-renewing policies. The new insurance regulations will take effect on October 1, 2027, providing a significant timeframe for companies and insurers to prepare for implementation.

Business and Industry

https://www.senate.mo.gov/26info/BTS_Web/Bill.aspx?SessionType=R&BillID=543