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Why do I need Courier Insurance?
As a courier, you deliver valuable packages to businesses and individuals in the most efficient way possible. By foot, bicycle or car, you take the quickest routes to make sure your recipients get their packages on time, every time.
On a busy day, you’ll be crisscrossing the city, picking up and dropping off packages all while keeping aware of your surroundings and traffic patterns. Juggling your safety (and the safety of others) with your clients’ delivery schedule adds to the thrill of being a courier when things go right. But when things go wrong, courier insurance is there to protect your business from expensive claims.
You know the city like the back of your hand, but you’re not superhuman. If someone darts in front of your bicycle and gets hurt, you could face a bodily injury claim. If you’re using a hand truck and accidentally damage your client’s walls or furniture, they’ll expect you to pay for property damage.
That’s why as a courier, you need general liability insurance. General liability insurance protects you from third-party claims of bodily injury, personal and advertising injury, and property damage.
Just as your clients depend on you to deliver their packages on time, Courier Insurance is there to cover you when you need it.
What is covered under Courier Liability Insurance?
As a courier, you know how hectic and chaotic your job can be. Courier Insurance is designed to protect you from liability in situations like the following:
Non-employee, 3rd-party bodily injury – You’re delivering a package across town on your bicycle. While going through an intersection, you collide with a pedestrian. If they get hurt, you could be held liable for bodily injury.
3rd-party property damage – While delivering a large package to a corporate office, you end up nudging a computer monitor which topples off a desk and crashes to the floor. In this scenario, you could be liable for 3rd party property damage.
Defense and investigation – Courier Insurance also provides defense and investigation for claims made against you, even if the claims are found to be fraudulent or frivolous. Without insurance, you’d have to provide your own defense.
The company I work for already carries business insurance. Do I need my own courier insurance?
If you ever perform work outside of the company you work for as a courier, you’ll need your own insurance policy. Your company’s policy only covers you when you’re working for them.
If you’re just starting up your own courier business, having general liability insurance is critical to protecting your investment. Even a single claim can set you back and erase any profits you’ve made. If a claim ends up in court, you could face mounting defense fees on top of any damages you might have to pay.
Are workplace injuries of my staff covered?
No. General liability insurance only provides coverage for injuries to clients and third parties. If you employ a team of couriers working for you, consider purchasing workers’ compensation insurance, which is required in most states. Workers’ comp can provide coverage for employee injuries and lost wages.