(a) As used in this section:(1) “Delivery availability period” means the period when a DNC driver:(A) Is operating a personal vehicle;(B) Has logged on to a digital network and is eligible to receive requests to provide delivery services from a delivery network company; and(C) Is not providing delivery services or operating in the delivery service period;(2) “Delivery network company” or “DNC” means a business entity operating in this state that uses a digital network to connect a delivery network company customer to a delivery network driver to provide delivery services. A DNC is not deemed to control, direct, or manage the personal vehicles or delivery network drivers that connect to its digital network, except where agreed to by written contract;(3) “Delivery service”:(A) Means the pickup of one (1) or more products from a location and the delivery of the products to a DNC customer, including a series of deliveries to different customers; and(B) Does not include:(i) Services provided by a for-hire vehicle; or(ii) A street hail service;(4) “Delivery service period” means the period:(A) Beginning when a DNC driver starts operating a personal vehicle enroute to pick up a good for a delivery or series of deliveries as documented via a digital network controlled by a delivery network company;(B) Continuing while the driver transports the requested deliveries; and(C) Ending upon delivery of the requested goods to:(i) The customer, or the last customer in a series of deliveries;(ii) A location designated by the customer, or the last location designated in a series of deliveries; or(iii) A location designated by the delivery network company, including for purposes of returning the goods;(5) “Digital network” means an online-enabled application, software, website, or system offered or utilized by a delivery network company that enables deliveries with DNC drivers;(6) “DNC customer” or “customer” means an individual who uses a DNC's digital network to connect with a DNC driver to obtain delivery services from the driver for the individual, or for another individual or entity;(7) “DNC driver” or “driver” means an individual who provides delivery services through a DNC's digital network using a personal vehicle; and(8) “Personal vehicle” means a vehicle that is:(A) Used by a delivery network driver to provide delivery services via a digital network; and(B) Owned, leased, or otherwise authorized for use by the delivery network driver.
(1) “Delivery availability period” means the period when a DNC driver:(A) Is operating a personal vehicle;(B) Has logged on to a digital network and is eligible to receive requests to provide delivery services from a delivery network company; and(C) Is not providing delivery services or operating in the delivery service period;
(A) Is operating a personal vehicle;
(B) Has logged on to a digital network and is eligible to receive requests to provide delivery services from a delivery network company; and
(C) Is not providing delivery services or operating in the delivery service period;
(2) “Delivery network company” or “DNC” means a business entity operating in this state that uses a digital network to connect a delivery network company customer to a delivery network driver to provide delivery services. A DNC is not deemed to control, direct, or manage the personal vehicles or delivery network drivers that connect to its digital network, except where agreed to by written contract;
(3) “Delivery service”:(A) Means the pickup of one (1) or more products from a location and the delivery of the products to a DNC customer, including a series of deliveries to different customers; and(B) Does not include:(i) Services provided by a for-hire vehicle; or(ii) A street hail service;
(A) Means the pickup of one (1) or more products from a location and the delivery of the products to a DNC customer, including a series of deliveries to different customers; and
(B) Does not include:(i) Services provided by a for-hire vehicle; or(ii) A street hail service;
(i) Services provided by a for-hire vehicle; or
(ii) A street hail service;
(4) “Delivery service period” means the period:(A) Beginning when a DNC driver starts operating a personal vehicle enroute to pick up a good for a delivery or series of deliveries as documented via a digital network controlled by a delivery network company;(B) Continuing while the driver transports the requested deliveries; and(C) Ending upon delivery of the requested goods to:(i) The customer, or the last customer in a series of deliveries;(ii) A location designated by the customer, or the last location designated in a series of deliveries; or(iii) A location designated by the delivery network company, including for purposes of returning the goods;
(A) Beginning when a DNC driver starts operating a personal vehicle enroute to pick up a good for a delivery or series of deliveries as documented via a digital network controlled by a delivery network company;
(B) Continuing while the driver transports the requested deliveries; and
(C) Ending upon delivery of the requested goods to:(i) The customer, or the last customer in a series of deliveries;(ii) A location designated by the customer, or the last location designated in a series of deliveries; or(iii) A location designated by the delivery network company, including for purposes of returning the goods;
(i) The customer, or the last customer in a series of deliveries;
(ii) A location designated by the customer, or the last location designated in a series of deliveries; or
(iii) A location designated by the delivery network company, including for purposes of returning the goods;
(5) “Digital network” means an online-enabled application, software, website, or system offered or utilized by a delivery network company that enables deliveries with DNC drivers;
(6) “DNC customer” or “customer” means an individual who uses a DNC's digital network to connect with a DNC driver to obtain delivery services from the driver for the individual, or for another individual or entity;
(7) “DNC driver” or “driver” means an individual who provides delivery services through a DNC's digital network using a personal vehicle; and
(8) “Personal vehicle” means a vehicle that is:(A) Used by a delivery network driver to provide delivery services via a digital network; and(B) Owned, leased, or otherwise authorized for use by the delivery network driver.
(A) Used by a delivery network driver to provide delivery services via a digital network; and
(B) Owned, leased, or otherwise authorized for use by the delivery network driver.
(b) On and after July 1, 2026, a delivery network company or DNC driver shall comply with the automobile liability insurance requirements of this section.
(c) A delivery network company shall ensure that, during the delivery availability period, if it applies, and during the delivery service period, primary automobile liability insurance is in place that recognizes that the driver is a DNC driver or that does not exclude coverage for use of a personal vehicle to provide deliveries.
(d) During the delivery availability period and the delivery service period, the DNC driver, delivery network company, or a combination of the two (2), shall maintain insurance that insures the driver for liability to third parties of not less than fifty thousand dollars ($50,000) for damages arising out of bodily injury sustained by any one (1) person in an accident, of not less than one hundred thousand dollars ($100,000) for damages arising out of bodily injury sustained by all persons injured in an accident, and of not less than twenty-five thousand dollars ($25,000) for all damages arising out of damage to or destruction of property in an accident.
(e) The coverage requirements of this section may be satisfied by any of the following:(1) Automobile liability insurance maintained by the driver;(2) Automobile liability insurance maintained by the DNC; or(3) Any combination of subdivision (e)(1) or (e)(2).
(1) Automobile liability insurance maintained by the driver;
(2) Automobile liability insurance maintained by the DNC; or
(3) Any combination of subdivision (e)(1) or (e)(2).
(f) If the insurance coverage maintained by a driver pursuant to this section has lapsed or does not provide the required coverage, then insurance maintained by the delivery network company must provide the coverage required by this section beginning with the first dollar of a claim, and the issuer of the insurance maintained by the delivery network company has a duty to defend the claim.
(g) Coverage under an automobile insurance policy maintained by the delivery network company must not be dependent upon another motor vehicle liability:(1) Insurer first denying a claim; or(2) Insurance policy first denying a claim.
(1) Insurer first denying a claim; or
(2) Insurance policy first denying a claim.
(h) Insurance required by this section may be obtained from an insurer authorized to do business in this state or with a surplus lines insurer eligible under the Surplus Lines Insurance Act, compiled in title 56, chapter 14.
(i) Insurance required by this section satisfies the Tennessee Financial Responsibility Law of 1977, compiled in title 55, chapter 12, while a driver is logged into the delivery network company's digital network or while the driver is engaged in providing delivery services through the DNC's digital network; provided, that this section does not relieve a driver from the financial responsibility requirements for a motor vehicle under the Tennessee Financial Responsibility Law of 1977 when the driver is neither logged into the DNC's digital network nor providing delivery services through the DNC's digital network.