Hired & Non-Owned Auto

People depend on food delivery and catering to get there when they need it, and our policy caters to the needs of risks with food delivery exposure with minimum premiums starting at $5,200.  We can entertain companies delivering their own food in addition to food caterers, acting as a 3rd party delivering for misc. restaurants they are contracted.

Ready to get a Hired & Non-Owned quote? Start the process.

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Food service is a career that takes a lot of hard work, and we don’t want the companies we protect to spend a bunch of time fretting over what’s happening to their employees and their vehicles out on delivery. Our team takes this concern off their respective plates with awesome claims handling and responsive service.


  • AM Best “A” Rated Carrier
  • Nationwide Availability
  • Single Stores and National Accounts
  • Limits up to $2,000,000
  • Quick Quote Turnaround
  • Target Classes (Food Delivery Only):
    • Food Delivery
    • Food Courier

Lines of Coverage

  • Excess Hired & Non-Owned Liability
  • And we have ability to round out the additional lines of coverage with other top rated carriers

Trust Norman-Spencer to have your back. Give us a call at (800) 543-3248 to learn more about application requirements and submission requirements.