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New BOP Feature: Hired and Non-Owned Auto (HNOA) for Select Restaurant Codes

Attune's BOP+ now offers hired and non-owned coverage for limited restaurant codes in selected areas.

Attune is excited to announce we are providing hired and non-owned coverage for limited restaurant codes in selected areas. The coverage will be subject to Attune’s stringent underwriting standards detailed below and to the following codes on our BOP:

09211 Pizza Shops

09201 Pizza Shops

09651 Family style restaurants - with no sales of alcoholic beverages 

  • Delivery services are limited to no more than a 25 mile radius from the address of the restaurant.
  • There are regular employees who are tasked with delivering food. Employees in this role are a minimum of 18 years old.  
  • The insured has a Certificate of Insurance (COI) confirming that the driver has minimum policy limits of $1,000,000 Combined Single Limit (CSL) and the policy does not have a commercial usage exclusion on it. 
  • The insured reviews the Motor Vehicle Record (MVR) of drivers on an annual basis.  The MVR must have less than 2 minor violations and 0 major violations.
  • The insured can accept online orders, but they cannot route the orders through any third party delivery services (i.e GrubHub, Postmates, UberEats, or any similar apps whose primary service is the delivery of the product to the restaurant by someone who is not in the employ of the restaurant). 
  • Delivery times are limited to a maximum of 5 hour windows and must be consistent with the hours that the restaurant is open for business. 
  • This coverage is available in: PA, OH, OK, KS, NV, AZ, CO