Hired & Non-owned Auto Liability is a must-have if your restaurant does delivery. Many companies will not offer this coverage, so it is always something you should bring up to your agent. When a delivery driver, in his own vehicle, injures someone, your restaurant is certain to get sued. Every auto policy in America includes a business use exclusion, unless it is rated appropriately. When the driver’s personal insurance company denies the claim, Hired & Non-owned Auto Liability coverage will step in and protect your business.