SB 915 - This act establishes the "Delivery Network Company Insurance Act". This act provides that a delivery network company (DNC) shall ensure that, during the delivery availability period and delivery service period, as such terms are defined in the act, primary motor vehicle insurance is in effect that recognizes that the operator of the motor vehicle is a DNC driver or does not exclude coverage for use of a personal vehicle to provide deliveries. During the delivery service period and delivery availability period, the DNC driver or company, or a combination of the two, shall maintain motor vehicle liability insurance coverage that insures the driver for liability to third parties of not less than $50,000 for damages arising out of bodily injury sustained by one person, $100,000 for damages arising out of bodily injury sustained by all persons, and $25,000 for all damages arising out of damage to or destruction of property in an accident. If the insurance required by this act has lapsed or does not provide adequate coverage, the insurance coverage maintained by the DNC shall provide such coverage beginning with the first dollar of a claim, and shall provided that the insurer has the duty to defend the claim. In the event of an accident, a DNC driver shall provide insurance coverage information directly to interested parties, insurers, and investigating law enforcement officers, and shall disclose to such persons whether the DNC driver was operating during the delivery availability period or delivery service period at the time of the accident. An insurer providing coverage required by the act shall assume primary liability for a claim when a dispute exists as to when the delivery availability period or delivery service period began or ended, and when the DNC does not have available, did not retain, or fails to provide information required by the act. A DNC shall not be deemed to control, direct, or manage a personal vehicle or DNC driver who connects to the DNC's digital network unless agreed to by written contract. An insurer may exclude coverage and deny the duty to defend or indemnify for a claim of injury or loss that occurs during the delivery availability period and delivery service period. This act shall become effective on October 1, 2027. This act is substantially similar to HB 1789 (2026). TAYLOR MIDDLETON

2026 Regular Session Introduced by Kurtis Gregory

SB 915 adjusts insurance coverage requirements for Missouri delivery network companies, modifying liability and coverage standards for platform operations.

Hearing Conducted S Insurance and Banking Committee

Legislative bill overview

SB 915 modifies insurance coverage requirements and provisions specifically for delivery network companies (such as food delivery services) operating in Missouri. The bill adjusts regulatory standards that govern how these companies must maintain insurance coverage for their operations and contractor relationships.

Why is this important

Delivery network companies have become integral to many communities' access to food and goods, but insurance coverage gaps have created disputes over liability when accidents occur. How states regulate insurance requirements for these companies affects both consumer protection and the operational costs for delivery platforms, potentially impacting service availability and pricing.

Potential points of contention

Liability allocation: Whether delivery platforms or independent contractors should bear primary responsibility for insurance coverage when accidents or injuries occur during deliveries

Consumer protection vs. business flexibility: Balancing adequate insurance protections for customers against regulatory burdens that could increase operational costs and reduce service to rural areas

Contractor classification implications: Insurance requirements may inadvertently support or undermine arguments about whether delivery workers should be classified as employees versus independent contractors