State of Connecticut - Insurance Department

March 26, 2020
CONTACT: Jim Carson, 860-297-3958

Connecticut Insurance Department Commissioner Andrew N. Mais has called on insurers to immediately institute an extension of coverage for personal delivery drivers in light of the disruption caused by the COVID-19 pandemic.

“The emergency social distancing and closing of restaurants under the necessary public health measures have contributed to a loss of income for both employees and businesses,” said Commissioner Mais. “We all need to support our local businesses, especially restaurants, who have switched to food delivery to keep their kitchens open and employees working.”

In Bulletin IC-41 released today, the Connecticut Insurance Department is requesting that all insurance companies that offer Auto and Motorcycle Liability Insurance coverage in Connecticut, to immediately expand coverage for the personal use of vehicles for certain commercial purposes. This will ensure delivery workers have adequate protection while using their personal vehicle to deliver food and/or medicine.

The Department strongly urges those carriers to consider implementation an endorsement wherever necessary, broadening coverage for those using their personal vehicle for commercial purposes in these particularly difficult times, such as modifying terms, conditions and exclusions that may leave delivery drivers without valuable liability and property coverage.

“We believe this action would be in the best interest of the public and for those who are working to deliver much needed food and medicine during this pandemic,” said Commissioner Mais.

Bulletin IC-41 is not intended to affect drivers who otherwise have coverage for deliveries or for drivers working for a transportation network company.

Insurers, brokers, and agents with questions on Bulletin IC-41 can contact the department directly by email at

For the most up-to-date information from the State of Connecticut on COVID-19, including guidance and other resources, visit Regular email news updates are available from the Governor’s Office by subscribing online here.

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