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Couriers often transport valuable packages for their clients, and tend to spend significantly more time on the road than your average driver. This means that they’re exposed to more risks, which standard insurance policies may not cover.

If you run or manage a courier business, you know that attention to detail is critical. Your customers expect their items to be where you committed they would be and on time too.

Most of the time, things will go like clockwork. When things don’t go smoothly however, having the right insurance in place can protect you against potentially significant costs.

What liability insurance might you need?

As a courier business, you have could have a wide range of insurance needs. To some extent they’ll depend on the size and make up of your venture. If you’re employed by someone it’s worth reviewing the cover they have in place first to see if it’s adequate. If you own the courier / delivery services business, there are two types of liability insurance for you to think about.

Public Liability Insurance

Public Liability cover can help to protect you against the cost of claims should a member of the public suffer an accidental injury because of your negligence while you were carrying out work.

you have a busy day with lots of items to deliver. You rush to meet the deadlines. When you stop at one location and take parcels from your van, another one falls out onto the pavement. You already have your hands full and decide to pick up the parcel on your way back. Someone hasn’t seen the parcel that fell out, tripped over it and has broken their hip… Now you will not only need to wait for an ambulance to arrive, meaning you won’t be able to fulfill your delivery schedule for the day, but you’re also likely to be accused of negligence and asked to pay compensation. Having public liability insurance in place could help you defend yourself and could cover this unexpected and probably costly expense if you are found to be at fault.

Employers’ Liability Insurance

Another type of liability insurance for you to consider is employers’ liability. This cover is compulsory for anyone that employs staff and protects your legal responsibilities to your staff if they injure themselves or become ill due to work.

When it comes to running your courier service, you know there are a lot of variables in play. Whether it’s parcel delivery or delivery service, there can be risks associated with your profession, including theft of your vehicle. That’s why you need insurance that protects your needs.

Couriers insurance is designed to adequately insure individual businesses and companies in the courier industry. Courier services have become a preferred mode of documents, packages, mails and information delivery, as it is fast, time bound and reliable. Though this is a lucrative business, it is faced with a host of risks that are a constant threat to income gained in the industry. When running a courier business, you can take precautionary measures by ensuring that your car is regularly serviced to avoid mechanical breakdown, careful driving to avoid accidents and fixing safes in the courier vehicles to prevent theft of packages. However, this is not enough as any of the risks can still happen when you least expect it. In order to secure your business, make the insurance cover a vital part of the preventive measures.