Committee delays delivery‑network insurance bill after members raise coverage‑gap concerns

Representative Travis introduced House Bill 21‑75 to extend to delivery‑network companies (DNCs) the insurance framework used for transportation network companies (TNCs) in 2015, requiring DNCs to ensure liability coverage when a driver's personal policy excludes a delivery‑related incident.

Sponsor said the measure "mirrors those requirements for DNCs" and is intended to ensure drivers are not left uninsured when personal policies exclude commercial use. Committee members pressed detailed hypotheticals: does logging into the app count as the "delivery availability period" that triggers DNC coverage, or must a driver accept a request? Representative Lafferty and others asked whether simply having an app on while running personal errands would place coverage on the DNC; the sponsor said that logging on generally makes you available and could trigger coverage in line with TNC precedent, but that many factual distinctions would be resolved by insurers in a claim.

Representative Clemons raised a common concern: whether a factual dispute between insurers about whether an app was in use could create a gap, leaving an injured party uncompensated while insurers litigate. The sponsor urged members to invite insurance and claims experts for a follow‑up and agreed to roll the bill to the heel so those specifics can be resolved.

The committee did not record a final vote on this bill and rolled it to the heel to allow technical clarifications.