Click to Call
Keslar Insurance Agency

114 Main Street
Newmarket, NH 03857

Get Directions
Keslar Insurance Agency Blog

Insurance Blog

Thinking of working in delivery service? Read this first!

examples of delivery drivers

We are finding more and more clients are considering taking on work from companies like:
DoorDash
Uber Eats
Instacart
Amazon Flex/Amazon Fresh
Lyft
Uber

Pizza delivery jobs
And many others
that require you to deliver people, food, or products using your personal vehicle.

There is a significant potential risk you should be aware of. First, many personal auto insurance carriers do not cover you and your auto when you are working. Why? Because many insurance carriers consider deliveries to be a commercial or business risk. So, what happens if you are driving for one of these companies and you get into an accident? Very likely the accident will not be covered. In addition, the carrier may drop your policy for not following the guidelines of a personal auto policy leaving you uninsured going forward.

What if the employer provides the insurance?
We strongly recommend that you ask to review the coverage that they provide in detail, as the information on their website may not be comprehensive. For instance, some of them only cover you when you are transporting their products. This means you may not be covered when you are driving to get the products or returning back after the delivery. As a result of this scenario, you’d be uninsured for significant portions of the job leaving you at a greater risk.

What can you do if the employer does not provide insurance?
Talk to your insurance agent before starting the job. They can review if your current policy offers any relevant coverages. There are a small number of carriers that may offer add-on coverage for these driving services. Your agent can help clarify if your carrier is one of those few. Next, they can see if they offer any other carriers that provide coverage on a personal policy.

The best option may be to get a business auto policy for this type of work. It may be more expensive but will be more appropriate for the situation. It may be a good solution if this is going to be your main source of income. Also, know that typical personal umbrella policies may not extend coverage for the use of your personal vehicle for business.

If you have any additional questions, please reach out to us anytime. We are always happy to be a resource for you. 603-273-0953. www.keslarinsurance.com.



5 Important Benefits Of Commercial Insurance

Based in Newmarket, NH, Keslar Insurance Agency helps the community protect their assets. We offer our clients policies that will protect them regardless of what life may bring their way. We have established relationships with many of the top insurance carriers in the country.

Benefits Of Commercial Insurance

As a Newmarket, NH business owner, it’s important that you protect your investment. Commercial insurance helps cover you from the risks associated with operating a business. Here is a look at some of the specific benefits of commercial insurance.

Protects Your Business During Potential Liability Disputes

Commercial insurance protects your business if one of your customers is injured while visiting your property or if they claim a faulty product made them sick. The policy gives you peace of mind as you handle these disputes. If you use vehicles to transport goods or perform services, liability coverage will protect you if you accidentally collide with another vehicle or object. Liability coverage also protects you against possible allegations of slander.

Allows You To Protect Your Employees

Workers’ compensation protects your business and your employees if someone is injured in the workforce. Workers’ compensation protects you against a potential dispute while also showing how much you value your employees’ contributions.

Covers Damage

Commercial insurance covers any damages to your property. You’re also covered if your inventory is stolen.

Provides A Safety Net During Emergencies

If you cannot operate your business due to a fire or natural disaster, you’ll be covered during this time period.

Enhances Your Reputation

Your business becomes more attractive to potential hires if you have a strong commercial insurance policy.

Keslar Insurance Agency Will Help You Protect Your Investment

Visit our website today to learn more information about commercial insurance in Maine and New Hampshire.

Keslar Insurance Presents: A Holiday Gift Guide

We at Keslar Insurance know it can be a struggle to find the perfect gift for that special someone. With this in mind, we partnered with our commercial clients to create this shopping guide for all of your gift-giving needs. The best part? Every suggestion is from a small business! Not only would you be getting an amazing gift, but you would be supporting small businesses (which we love to do!). Here are ideas for holiday gifts for even the pickiest of recipients:

For the one who loves a little self-care…

These therapeutic comfort wraps, eye pillows, and natural fidgets from Parker Mountain Comfort Wraps are the perfect gifts to bring comfort, calm, and relaxation to anyone’s day! Learn more here.

For the one who loves to stay fit…

This gym in Newmarket NH, Great Bay Athletic Club, offers Online Membership sign-ups! This membership comes with access to free weights, classes, cardio equipment, and more. Learn more here.

For the student who loves to be active…

For the one who LOVES chocolate…

Featuring hot chocolate mix, a mini Nutella, a spoon covered in dark chocolate and marshmallows, and a giant Swedish candy cane to stir it all together, this hot chocolate mug kit from Lickee’s and Chewy’s in Dover NH is a chocoholics dream! Learn more here.

For the one who loves to show their New Hampshire pride…

Celebrate someone’s love of our beautiful state with this New Hampshire themed gift box from The Main Street Makery in Durham, NH! Filled with many different goodies, this box is sure to brighten any New Hampshirite’s day. Learn more here.

For the one who always appreciates a night out…

This New American Bistro, Fire and Spice, in Newfields NH is the perfect spot for a needed night out (plus they’re COVID-19 safe!). For a limited time, purchase $50 worth of gift cards and receive $10 gift cards FREE! Learn more here.

For the one who loves to move…

Between the Cha-Cha, the Foxtrot, the Hustle, and the Salsa, there’s a style for everyone! Give the gift of dance to someone you love this year with Gift Certificates to the Arthur Murray Dance Center in North Hampton, NH (and for those who are interested themselves, they even offer a free introductory lesson for first-time members!). Learn more here.

For the one looking for fair trade offerings…

For the one who loves to create…

This is so much more than a fabric store! Give great items for those crafty people in your life. Maple Leaf Stitching in Epsom, NH not only is a great store to visit, but they also have online shopping for your convenience. In addition, they also fix sewing machines. Gift cards are also a great option. Learn more here.

For the one who enjoys unusual gifts…

These funny and funky gifts are the perfect way to lighten the mood this holiday season. For some extra fun, gag gifts, stop by Macro Polo in downtown Portsmouth. Learn more here.

For the one who likes adventure…

Give the gift of a clean, safe, fun, and immersive entertainment experience. Perfect for friends, family, and date nights. Get off of you screen and spend an hour solving collaborative riddles and puzzles in a themed room. ​Come exercise your mind in one of Monkey Mind‘s three escape rooms in downtown Portsmouth NH! Learn more here.

For the one who could use some pampering…

For the one who loves things hand made…

Get a Quote


What we offer

SERVICING THESE STATES

  • New Hampshire
  • Maine
  • Massachusetts

Archives

Categories

Our Trusted Partners

  • Concord Group Insurance
  • Foremost Insurance Group
  • Great Falls
  • Hanover Insurance Co.
  • Main Street America
  • MetLife
  • Mt Washington Mutual
  • Providence Mutual
  • Progressive
  • Safety Insurance