What it does
Provides coverage while the insured uses a covered auto for delivery network activity, on the terms of the endorsement. The 01 23 edition is used in AL, FL, GU, IA, ID, ME, MO, MT, NV, OK, PA, SD, VI, WI and WY, with separate PP 43 xx numbers in other states.
Who needs it
Gig drivers who deliver food, groceries or packages through apps, including small business owners doing their own deliveries through platforms.
Quoting and selling notes
- A business that delivers its own goods with employees needs commercial auto; pair this endorsement with DL 99 69 on an ISO personal umbrella.
Business use notes for commercial agents
The PAP covers business use of private passenger autos, pickups and vans (Exclusion A.7 does not apply to them), but excludes the auto business (selling, repairing, servicing, storing or parking vehicles) for vehicles other than the insured's own covered auto, any vehicle used as a public or livery conveyance including time logged into a transportation network platform, and, for newly acquired pickups and vans, use for delivering goods unless incidental to an installing, maintaining or repairing business or to farming or ranching. Vehicles titled to or furnished by the business, heavier trucks and fleets belong on a commercial auto policy (CA 00 01), where "regular use" vehicles furnished by an employer are a common gap that PP 03 06 can fill.
Editions and availability
Current edition 01 23. State adoption varies; many states use state-specific versions of the PAP endorsements.
