🍲 Meals on Wheels

Meals on Wheels Insurance

Insurance for Meals on Wheels programs, home-delivered meal services, and senior nutrition programs across Arizona. Protect your volunteers, drivers, and recipients.

Fast quotes — often within 24 hours
🏆A-rated carriers only
📋Same-day certificates

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No obligation. Protect your mission.

Unique Risks We Address

Every meals on wheels faces specific risks. We make sure you're covered.

Delivery vehicle accidents
Volunteer driver liability
Foodborne illness claims
Recipient injury during delivery
Food spoilage
Kitchen accidents
Slip & falls at recipient homes
Allergic reaction claims
Coverage Options

Recommended Coverage

Tailored insurance products for meals on wheels operations.

🛡️

General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

  • Premises liability
  • Operations coverage
  • Personal & advertising injury
  • Medical payments
🚗

Commercial Auto

Covers vehicles owned, leased, or used by your organization for transporting clients, supplies, or staff.

  • Owned vehicles
  • Hired & non-owned auto
  • Client transport
  • Volunteer drivers
🏢

Property & Contents

Covers your building, furnishings, equipment, and inventory against fire, theft, vandalism, and natural disasters.

  • Building coverage
  • Contents & equipment
  • Business interruption
  • Valuable papers
👔

Directors & Officers (D&O)

Shields board members, officers, and volunteers from personal liability for organizational decisions.

  • Wrongful acts defense
  • Employment claims
  • Breach of duty
  • Regulatory actions
⚙️

Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

  • Medical expenses
  • Lost wages
  • Rehabilitation
  • Employer liability
📋

Professional Liability (E&O)

Coverage for claims of negligence, errors, or omissions in the professional services your organization provides.

  • Service delivery errors
  • Advice & counsel claims
  • Program failures
  • Referral liability

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

Does insurance cover our volunteer drivers?
General Liability covers claims from volunteer activities. However, if volunteers use personal vehicles, you need Hired & Non-Owned Auto coverage to fill gaps in their personal auto policies.
Are we liable if a meal makes someone sick?
The Good Samaritan Act provides some protection, but General Liability with Products coverage is essential for defending against foodborne illness claims from prepared and delivered meals.
What if a volunteer is injured delivering meals?
Volunteers are not covered by Workers' Comp. Consider Volunteer Accident coverage to pay medical expenses for volunteers injured during meal deliveries.
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