MO HB1789

Creates the "Delivery Network Company Insurance Act" establishing insurance requirements for app-based delivery services (e.g., DoorDash, Instacart) operating in Missouri, effective October 1, 2027

Requires minimum liability coverage during active delivery periods: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage

Classifies delivery network company drivers as independent contractors, not employees, and specifies that driving during the "delivery availability period" (logged in but not actively delivering) does not constitute commercial activity

Allows personal auto insurers to exclude coverage and deny claims for incidents occurring during delivery service periods, while requiring delivery network companies to provide primary coverage that fills any gaps

Mandates delivery network companies verify driver insurance every six months and disclose to drivers that their personal auto policies may not cover them during delivery work