Mikayla is an independent contractor who uses her own vehicle to deliver pizza.

The pizza company’s non-owned automobile policy could respond because Mikayla is using her own vehicle in the course of delivering pizza for the business. Non-owned automobile coverage protects a business when it may become legally liable for the use of vehicles it does not own, such as employees’ or contractors’ vehicles used on company business. Mikayla’s own automobile policy would be central as well, but it is not one of the answer choices. Her homeowners policy would not respond to automobile bodily injury liability arising from vehicle use. Professional liability is also incorrect because pizza delivery is not a professional service error; the claim arises from automobile use and third-party bodily injury. Tenant’s legal liability concerns damage to rented premises, not road accidents. The fact that Mikayla is paid based on deliveries reinforces that the vehicle is being used commercially. Brokers must identify delivery, rideshare, courier, and business-use exposures because ordinary personal auto coverage may be restricted or require rating changes. References/topics: Automobile Insurance; non-owned automobile coverage, business use, independent contractors, third-party injury claims.