Each state has it's laws and all that regarding hiring employee. For example in Washington, Idaho, Oregan and California when an employee reports to work, you (employer) must pay them (employee) at least 2 hours. So you cannot tell them to go home after one delivery. Unless they (employee) wants that. AND do not forget to document that as well. Otherwise later (maybe 2 months or a year later) they can claim they were sent home without their will. This will get you in trouble faster than you think. Aside from all these stuff, you can send them home a few times. They will quit and find another job somewhere else. They wanna make a living too. I cross train evrybody. They make dough, pizza, answer phones and deliver and wash and clean the place and dishes etc.
As far as insurance and all that, the employer is reponsible for the employees action while at work as soon as they (employees) seat behind the wheel-pizza delivery- they are responsible for their own action (driving). That's why you make sure they carry insurance and you will need to have a Non-Owned Auto and umbrella (pizza delivery package) for your own sake. Here is what happens your driver gets into an accident his insurance company is supposed to cover that, but insurance companies are to collect money NOT pay-outs. So the first thing is that their insurance company will find out is that what they were doing when the accident happened. The driver will tell that they were delivering pizza. Their insurance company will try to pass the ball to you. At this point you have 3 parties going after you.
Your driver, his/her insurance company and the other party involved in the accident. Do not forget SINCE you are a businessman/woman everybody thinks you are RICH. They will go after you. A whole package of business insurance including Non-Owned Auto with $2,000,000 coverage and all will cost you around $3400/yr. This is the cheapest one I have found. If you have cheaper one please post the name and the numbers. I know of many business persons that got inot trouble and lost everything because did not care for insurance.
Sorry about the long post.