NY S01162

Third-party food delivery services must maintain group insurance policies covering bodily injury or death from accidents involving delivery drivers while they are logged into the platform and making deliveries

Benefits are capped at $50,000 per person for basic economic losses and apply only to drivers operating two or three-wheeled vehicles that don't already carry their own liability insurance

Coverage extends to delivery drivers, pedestrians, and cyclists injured in qualifying accidents regardless of fault, immigration status, or residency, but excludes occupants of motor vehicles and motorcycles with their own insurance

Insurers may deny coverage to individuals who intentionally cause their own injury or are injured while intoxicated or impaired by drugs

Delivery services cannot charge deductibles, pass insurance costs to consumers in areas without qualifying vehicle deliveries, or retaliate against drivers who file claims, including through deactivation or reduced work offers