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 their delivery activities.

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

During active prearranged deliveries, required coverage increases to: $1,500,000 liability for death, bodily injury, and property damage; $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 defend the claim.

Delivery network companies must provide written disclosure to drivers about insurance coverage and that personal auto policies may not cover them while working, before allowing drivers to accept delivery requests.