Bill
Bill > A3568
summary
Introduced
01/13/2026
01/13/2026
In Committee
01/13/2026
01/13/2026
Crossed Over
Passed
Dead
Introduced Session
2026-2027 Regular Session
Bill Summary
This bill requires food delivery network companies and food delivery company network drivers to maintain certain levels of automobile insurance. Pursuant to the bill, a "food delivery network company" means a corporation, partnership, sole proprietorship, or other entity that is registered as a business in the State or operates in this State, and uses a digital network to connect a food delivery network company customer to a food delivery network company driver to provide for the prearranged delivery of prepared, ready-to-serve food. Under the bill, a food delivery network company driver, food delivery network company, or any combination of the two is to maintain primary automobile insurance that recognizes that the driver is a food delivery network company driver, or otherwise uses a personal vehicle to provide prearranged food delivery, and covers the driver: while the driver is logged on to the food delivery network company's digital network but is not providing a prearranged food delivery; or while the driver is providing a prearranged food delivery. The bill provides that whenever a food delivery network company driver is logged on to the food delivery network company's digital network and is available to receive a prearranged food delivery request, but is not providing a prearranged food delivery, the food delivery network company driver, food delivery network company, or any combination of the two is to maintain the following insurance coverage: (1) primary automobile liability insurance in the amount of at least $50,000 for death or bodily injury per person, $100,000 for death or bodily injury per incident, and $25,000 for property damage; (2) primary personal injury protection benefits that provide coverage amounts selected pursuant to section 4 of P.L.1972, c.70 (C.39:6A-4); and (3) uninsured and underinsured motorist coverage to the extent required pursuant to section 2 of P.L.1968, c.385 (C.17:28-1.1). In addition, under the bill, whenever a food delivery network company driver is providing a prearranged food delivery, the food delivery network company driver, food delivery network company, or any combination of the two is to maintain the following insurance coverage: (1) primary automobile liability insurance in the amount of at least $1,500,000 for death, bodily injury, and property damage; (2) primary automobile insurance for medical payments benefits in an amount of at least $10,000 per person per incident, which shall only apply to and provide coverage for the benefit of the food delivery network company driver; and (3) uninsured and underinsured motorist coverage in an amount of at least $1,500,000. The bill also provides that a food delivery network company is not to permit a food delivery network company driver to accept a request for a prearranged food delivery on the food delivery network company's digital network until the food delivery network company makes certain written disclosures to the driver.
AI Summary
This bill mandates that food delivery network companies, which are businesses using digital platforms to connect customers with drivers for prearranged food deliveries, must ensure that either the company, the driver, or a combination of both, maintain specific automobile insurance coverage. This coverage is required for drivers while they are logged into the company's app but not actively delivering, and also while they are actively making a delivery. When a driver is available but not delivering, the required insurance includes $50,000 for death or bodily injury per person, $100,000 per incident, and $25,000 for property damage, along with personal injury protection and uninsured/underinsured motorist coverage as specified by state law. When a driver is actively delivering food, the insurance requirements increase significantly to $1,500,000 for liability and uninsured/underinsured motorist coverage, and $10,000 for medical payments specifically for the driver. The bill also clarifies that if a driver's personal insurance lapses or is insufficient, the food delivery network company's insurance will cover claims from the first dollar, and the company is responsible for defending against such claims. Furthermore, food delivery network companies are prohibited from allowing drivers to accept delivery requests until they have provided written disclosures to the drivers about the company's insurance coverage and how the driver's personal auto insurance might apply.
Committee Categories
Business and Industry
Sponsors (1)
Last Action
Introduced, Referred to Assembly Financial Institutions and Insurance Committee (on 01/13/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.njleg.state.nj.us/bill-search/2026/A3568 |
| BillText | https://pub.njleg.gov/Bills/2026/A4000/3568_I1.HTM |
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