A bill for an act providing for the regulation of delivery network companies and drivers, making penalties applicable, and including effective date provisions.

HF 545 regulates delivery network companies (like food or package delivery apps) and their drivers in Iowa. It requires drivers or companies to maintain specific insurance coverage during the "delivery service period" (from when a driver accepts a delivery request until goods are delivered), covering at least $50,000 per person for bodily injury, $100,000 for multiple people, and $25,000 for property damage. Companies must also disclose insurance details to drivers in writing before they accept delivery requests, clarifying that personal auto insurance may not cover delivery work. The bill ensures company insurance covers claims without requiring personal insurance to deny coverage first, and it does not override existing federal or state transportation laws.