Courier Insurance

This section covers courier insurance and the kind of cover you should consider:

Why do couriers need insurance?
What type of insurance do couriers need and what level of cover?
Why compare couriers insurance with Coverzones?

Why do couriers need insurance?

Courier insurance is essential if you want to ensure that your customer’s goods are properly covered against you or one of your drivers losing or damaging goods in transit. In addition, you should be covered against causing any injury or death to a customer or member of the public while going about your business. If you have employees, you must have cover against death or injury they might incur while working for you and you may want to extend your courier cover to include bad debt recovery or legal expenses.

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What type of insurance do couriers need and what level of cover?

Insurance for courier businesses depends on the type of operation you are running, but these are the main ones you should consider:

• Public Liability Insurance for couriers: You’re in and out of businesses all day long and the possibility of an accident is very real. You need to be covered against a claim from members of the public, which includes your customers, for death, bodily injury or damage to property caused by you or your staff, which could be anything from someone tripping over a motorcycle helmet to a fatal accident caused by a parcel falling out of the back of a courier van. Insurance cover between £1m and £5m is recommended to cover any compensation claim. This will also cover any damage to property accidentally caused by you or your staff.

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• Employers Liability Insurance for couriers: If you have people driving for you, even on a casual basis, you must have at least £5m Employers Liability Insurance by law to cover injury or death sustained while they are working for you.

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• Professional Indemnity Insurance: This will cover you for any claims made by clients for compensation should a package be lost or fail to arrive. If a client missed the opportunity to tender for a huge contract because you delivered to the wrong address for example, the client might take action against you. The level of Professional Indemnity Insurance you need will depend on the potential risk you are exposed to and will often be based on your annual turnover, the number of clients and the average value of the goods you transport.

Professional Indemnity Insurance for Couriers will soon be available here at Coverzones.

Why compare courier insurance with Coverzones?

Coverzones is an insurance comparison website for businesses like yours, enabling you to compare quotes quickly and simply. We’ll get you quotes from lots of providers. You can then sign-up online and keep all of your policies together in one secure account. It’s fast, simple and effective – why not give it a try?

Compare courier cover now.