Hylant Partners with Obsidian to Launch RoadPilot® Pay as you Go Insurance Program for Restaurant Delivery Drivers

Obsidian Insurance Holdings, Inc. | November 02, 2021

Hylant, one of the largest privately owned insurance brokerages in the U.S., announces the launch of RoadPilot®, a "pay as you go" hired non-owned program designed for the restaurant home food delivery industry.

The program takes a unique approach by integrating real-time monitoring of driver behavior with the assessment of risk. The program will typically target restaurant groups with 20 or more locations. Traditional insurance products can lead to gaps in coverage for restaurant businesses that rely on delivery drivers because premiums are based on industry averages and applied universally regardless of the drivers' liability profiles. With RoadPilot, premiums are developed to more fairly and accurately reflect a delivery driver's actual behavior and actual delivery miles travelled. Specific rating factors include aggregate driver risk profiles derived from hard braking, rapid acceleration, speeding, unsafe maneuvers, and phone usage. Premium is determined on a monthly basis.

"We're excited to begin this program with Obsidian Insurance Company, Their team has a proven track record of providing solutions for industry niches. The collaboration between our teams during the development of the product was great. We look forward to a long-term partnership with Obsidian on RoadPilot."

- Mike Ugljesa, President of Hylant Administrative Services.

"We are thrilled to partner with a highly respected program partner that has strong and proven expertise in the restaurant and food franchise industries. The RoadPilot program brings a much-needed product to the food delivery segment and has developed an innovative approach to more accurately price risk with the incorporation of telematics. We look forward to a long-term partnership with Hylant as well as the strong panel of reinsurers supporting the program."

- William Jewett, CEO of Obsidian Insurance Company

RoadPilot is an app-based technology that drivers install on their phones. Clients also have access to a convenient dashboard that is available 24/7. This provides managers with real-time data to monitor in-progress driving and drill down into historical driving statistics to help identify and address unsafe driving habits. Data can also be used to reward and incentivize employees who are driving safely.

About Hylant
Hylant is one of the largest privately held insurance brokerages in the United States. Founded in 1935 and headquartered in Toledo, Ohio, we offer complete risk management services, employee benefits brokerage and consultation, loss control, healthcare management and insurance solutions for businesses and individuals locally, nationally, and internationally.

About Obsidian Insurance Company
Obsidian Insurance Company is a subsidiary of Obsidian Insurance Holdings, Inc., a new fronting insurance holding company that issues policies underwritten by Managing General Agents, Managing General Underwriters, and program managers.  Obsidian sources, underwrites, and manages a diverse portfolio of property, casualty, and specialty insurance programs, and reinsures the majority of its program business to select reinsurers.  Obsidian was formed in 2020 in partnership with leading insurance industry executives and Genstar Capital.


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Wildfire risk is complicated – and not just in terms of predicting, preparing for, and mitigating damage. Wildfires play a complex role in overall climate risk that insurers need to understand and to develop new strategies to address as the impacts of climate change continue to evolve.

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