New York Senate Bill S09633

New York 2025-2026 Regular Session

• Introduced: 3/31/26
• Refer: 3/31/26

Caption

Requires bicycle delivery contractors to provide personal injury liability insurance to compensate persons injured by a bicycle delivery worker and to provide notice to delivery workers that the contractor provides personal injury liability insurance; authorizes the superintendent of financial services to promulgate rules and regulations.

Summary

This bill would add a new section to the Insurance Law requiring bicycle delivery contractors operating through digital networks in New York to maintain personal injury liability insurance for injuries caused by bicycle with electric assist delivery workers, including electric scooter-based delivery workers, while they are on a delivery trip. The required coverage would pay up to $20,000 per incident, be primary to other applicable insurance, and exclude no-fault coverage. The bill also defines key terms such as bicycle delivery contractor, digital network, BEA delivery worker, BEA delivery recipient, and when a trip begins and ends. In addition to the insurance mandate, the bill requires contractors to notify delivery workers that the coverage exists and to post that notice prominently on their websites, along with contact information for the Department of Financial Services. It also authorizes the superintendent of financial services to adopt rules and regulations to implement the law, including rules addressing situations where a worker is using multiple digital networks at the same time. The act would take effect 180 days after becoming law.

Impact

The bill would amend the New York Insurance Law by creating a new insurance requirement specifically for app-based and digital-network bicycle delivery operations. It would impose a direct compliance obligation on bicycle delivery contractors to secure personal injury liability coverage for third-party injuries caused during active delivery trips, and it would give the Department of Financial Services regulatory authority over implementation. Delivery platforms, insurers, and excess line brokers would be affected, as would bicycle and electric-scooter delivery workers and members of the public injured in delivery-related incidents.

Sentiment

No committee transcript or vote record is provided, so there is no documented floor or committee sentiment to assess. Based on the bill text and caption, the measure appears to be framed as a consumer and public-safety protection for injuries arising from gig-economy delivery work, with an emphasis on ensuring compensation coverage and transparency for workers. The absence of recorded opposition or amendments in the provided materials suggests the bill was at an early introduced stage when the record was compiled.

Contention

The main policy questions likely concern the cost and scope of the insurance mandate, including whether a $20,000 per-incident cap is sufficient, who ultimately bears the premium cost, and how the requirement interacts with other insurance policies. Another likely point of contention is the bill’s coverage of workers using multiple digital networks simultaneously, which the superintendent is specifically authorized to regulate. Stakeholders most likely to scrutinize the bill include delivery platforms, insurers, and worker advocates, with platforms potentially concerned about compliance burdens and advocates likely focused on whether the coverage meaningfully protects injured parties and delivery workers.