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A bread route is a business where the bread truck stops where a specific product is picked up and delivered to several customers. Such customers may include super-markets, deli stores, grocery stores, diners, restaurants, schools, nursing homes and even manufacturing factories and office buildings. Payment is usually made to the owner of the route for the product that has been delivered, either by C.O.D. or on a weekly basis.
What are the Liability Coverage Types in NJ Bread Truck Auto Policy?
Auto Liability Combined single limit (CSL)
Combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combined single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver’s car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.
Auto Liability Split limits
Split limit liability coverage policy splits the coverage’s into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver’s vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.
Bodily injury liability coverage is also usually split into a maximum payment per person and a maximum payment per accident.
The limits are often expressed separated by slashes in the following form: “bodily injury per person”/”bodily injury per accident”/”property damage”.
The U.S. Bureau of Labor Statistics, or BLS, classifies bread delivery route salesmen under “Driver/Sales Workers.” The BLS reports that jobs for these professionals are expected to increase 10 percent between 2010 and 2020, which is about average compared to the 14 percent growth rate for all jobs. Job opportunities are directly tied to the health of the economy and population increases, as more reps are needed when demand for grocery stores increase.
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