NJ S3139

Delivery network companies (businesses using digital platforms to connect customers with drivers for goods delivery) and their drivers must maintain primary automobile insurance recognizing the driver's delivery work status.

When drivers are logged into the app but not actively delivering, minimum coverage requirements include $50,000/$100,000/$25,000 liability limits, personal injury protection benefits, and uninsured/underinsured motorist coverage.

During active prearranged deliveries, coverage requirements increase significantly to at least $1,500,000 for liability, $10,000 medical payments per person, and $1,500,000 uninsured/underinsured motorist coverage.

If a driver's insurance lapses or fails to provide required coverage, the delivery network company's insurance must cover claims from the first dollar and assume the duty to defend.

Companies must provide written disclosure to drivers about insurance coverage types and limits before allowing them to accept delivery requests, including warning that personal auto policies may not provide coverage during delivery work.