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State Farm, which targets businesses of one to 19 employees, has seen an uptick in inquiries from quick-service food purveyors, such as ice cream parlors, delicatessens and coffee shops, according to Sandy Mullins, underwriting consultant for State Farm.

As these businesses look to set themselves apart, they have started to offer delivery services—which results in a need for Non-Owned Automobile Coverage if employees are using their own vehicles. 

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