Frequently Asked Questions

Cornershop & Economical® Partnership : Auto Commercial Insurance (Ontario)


(only valid in Ontario)

As of May 12, 2021, Shoppers driving in Ontario will automatically receive commercial auto insurance with Economical Insurance®. This partnership between Cornershop and Economical Insurance® covers you while you’re delivering orders with Cornershop.




Coverage Overview:


- $2 million of liability coverage
Covers your liability to third parties from the moment you accept a Cornershop order until its completion. This policy takes precedence over your personal auto insurance.

- $2 million of uninsured/under insured motorist coverage
Protects vehicle occupants who are injured in an accident by a hit-and-run driver, an uninsured driver, or a driver without sufficient insurance.

- Contingent collision and comprehensive coverage*
Covers loss or physical damage to your vehicle up to the actual cash value of the vehicle with a $1,000 deductible. This coverage only applies if the vehicle is also insured for collision and comprehensive coverage on your personal auto insurance.

- Personal Use
You remain responsible for maintaining your personal auto insurance to provide coverage when you are using your vehicle for personal use.


* Contingent Collision and Comprehensive Coverage is only available under the commercial policy to participating Shoppers who carry this coverage on their personal automobile insurance policy.



 - Frequently Asked Questions -


1. When am I protected?
Cornershop’s commercial auto insurance policy issued by Economical® covers you from the moment you accept a request in the Cornershop App and are commuting to the pick-up location to the moment the delivery exits your vehicle. Auto claims for incidents that occur during this time should be made against the Cornershop commercial policy. 

When you’re using your vehicle for personal use, you have to rely on your own personal auto insurance policy, which must be in force in order for you to participate in Cornershop’s commercial policy.

Below are a few details of which part of your Cornershop trip is covered by your personal insurance, and which part is covered by Cornershop’s commercial insurance policy issued by Economical®

+ Offline: Down time
When you’re using your vehicle for personal use, your personal car insurance policy applies.

+ Period 1: Ready for a request
When you’re logged into the Cornershop App and available for a trip request, your personal car insurance coverage applies.

+ Period 2: Commuting to pick-up location
When you’ve accepted a request in the Cornershop App and you’re commuting to the pick-up location, you’re covered through the commercial auto insurance policy issued by Economical®.

+ Period 3: Delivery time
When you’ve picked up the order and you’re on your way to the drop-off destination, you’re covered by the commercial auto insurance policy issued by Economical®. 


Note: You’re responsible for informing your broker or insurance provider that you’re participating in delivery activities so they can make sure you have the personal car insurance you need before you get behind the wheel.


2. How do I file a claim?

If you get into an auto accident while participating in delivery for Cornershop you can fill the below document and reach out to the email: cornershopclaims@economical.com 


CA - Economical - Template.docx


3. Which provinces are covered by Cornershop’s commercial policy through Economical®?

Cornershop’s delivery operations in Ontario are covered by the commercial auto insurance policy issued by Economical®. We will gradually roll out the coverage information for other provinces.


4. What proof of insurance should I use if I’m involved in an accident while driving with Cornershop?

You can find the certificates of insurance in the links below:

Ontario

Quebec (in EN and FR)

Alberta (Coming soon)

If you’re involved in an accident while you’re driving with Cornershop, you’ll need to refer to this electronic document. If you can’t find the document in the Shopper App, you can email Shopper@cornershop.ca and Cornershop will share a copy of the electronic document with you to your registered email.


5. I’ve added optional coverages to my personal car insurance policy, including loss of use and replacement cost coverage. Are these included in the commercial auto insurance policy issued by Economical?

The commercial auto insurance policy issued by Economical provides coverage from the moment you accept a request in the Cornershop App and are commuting to the pick-up location to the moment the delivery exits your vehicle. Auto claims for incidents that occur during this time should be made against the Cornershop commercial policy. This commercial policy does not provide any optional coverages or endorsements, regardless of what’s included on your personal car insurance policy. However, it does include Comprehensive and Collision coverage for physical damage to your vehicle if you already have this coverage on your personal insurance policy (subject to a $1,000 deductible). The commercial auto insurance policy issued by Economical also includes Third Party Liability coverage and Standard Accident Benefits coverage. 


6. Can I be penalized by my personal car insurance provider for incidents that occur while I’m driving with Cornershop?

The commercial auto insurance policy issued by Economical provides you with coverage from the moment you have accepted a request and are commuting to the pick-up location to the moment the delivery exits your vehicle. Auto claims for incidents that occur during this time will be made against the Cornershop commercial policy, not your personal policy. If you’re in a collision while participating in a delivery with Cornershop, reference the Cornershop electronic certificate of insurance on the Cornershop App to confirm the correct policy number.

If an accident that occurred while you were participating in a delivery with Cornershop is charged to your personal policy, please contact your personal insurance broker or agent. Economical will provide you with a letter to give to your personal car insurance company to let them know that the claim is being charged to the commercial policy.

Any driving infractions that occur while you are participating in a delivery with Cornershop (e.g., speeding tickets) could potentially affect your personal car insurance policy.