Requires third-party food delivery services maintain insurance through a group policy that covers bodily injury or death arising out of or resulting from qualifying accidents involving a delivery person

Changed the definition of 'delivery driver' from 'customer' to 'consumer' to align terminology with the rest of the bill.

Narrowed the definition of 'qualifying vehicle' to explicitly exclude motorcycles that carry their own liability insurance, whereas the original text only excluded motorcycles generally.

Added a prohibition on passing insurance costs to consumers in political subdivisions where drivers do not use qualifying vehicles.

Mandated that the required insurance policy must be written by an insurer licensed in New York or procured by a licensed excess line broker.

Required that the obligation to determine if state-licensed insurance is unavailable must be made before the initial placement and at every policy renewal.