Two insurance policies were at the center of the dispute, and both insurers denied coverage. The First Chicago personal auto policy excluded liability coverage for bodily injury or property damage “incidental to or emanating from” the ownership, maintenance or operation of a vehicle for “delivery related business.” The policy defined that term as the ownership, maintenance or operation of any auto while it is being used to carry food for compensation or a fee, including the pickup, delivery, or return from a pickup of delivery of food, whether in conjunction with any logistics company, delivery services application, or transportation network application. It listed UberEATS, GrubHub, and Amazon Flex as examples.
