Insurance Essentials for Bread Route Entrepreneurs

On Industry Insights with Route Consultant, Josh interviews Michael Jones and Jeff Jones of RouteWay 360 about insurance in bread and snack distribution and why many owners misunderstand their coverage until a claim happens. They break down RouteWay 360’s platform for distributors, including incorporation, banking, accounting and tax support, and their new “Drive My Route” app for finding route relievers. The episode covers common insurance requirements, the risks of relying on personal auto policies, compliance and COIs, and major exposures like uninsured motorists and 1099 worker injuries without workers’ comp. They also explain how proper rating, garaging, remarketing, and telematics can help route owners manage premiums and reduce risk.