Due to the pandemic, many shops closed while online orders shot up, which contributed to a surge in driving jobs. An increasing number of people have become couriers in order to supplement their income or to get a job after a redundancy.
If you own a courier business, whether food delivery or as an Amazon driver, you should get courier insurance. This is true even if you simply drop parcels off at a specific location to be picked up. Being on the road is hazardous and it’s crucial that you’re protected against all eventualities.
As insurance brokers in Bolton, we can help by providing you with an affordable courier insurance cover that works for you.
As a courier, you transport all types of goods, so you need coverage in case of property theft, loss or damage. Insurance can also protect you in the event of an accident. And because you’re always on the move, there are a lot of dangers and risks to look out for when on the road, so courier insurance will keep you safe against them.
Compensation claims can be expensive so, if you accidentally hurt someone or damage their property, for example, you can have a claim made against you which you’d have to pay out of pocket. Additionally, you may even have to pay for their legal costs and loss of wages.
Having insurance, however, will give you the peace of mind of knowing that, should something happen, no matter how careful you are, you are protected against these types of claims. This means that, from fire and theft to road accidents and even flat tyres, the right insurance policies will ensure you’re not left high and dry if someone makes a claim against you and your business.
There isn't a particular type of insurance just for couriers, as it can vary from cover to cover, but you can take out a few policies to ensure that your livelihood is protected.
There are different types of insurance covers to consider, and each will protect you against a specific risk or hazard. These policies also help you meet the minimum legal requirements to drive on the road while delivering parcels, no matter whether you’re alone or share a vehicle.
If you work as a courier, you probably need to have insurance on the packages and parcels you deliver. At IC Insurance, we can help you find the right Goods in Transit cover for your specific needs – this policy protects items while they’re on the move from point A to point B. After all, they are at their most vulnerable when they’re being transported, as there’s a higher risk of theft, damage and loss.
Part of a courier’s job is to arrive on time to their destination. If your vehicle breaks down, you risk claims against you, especially if the items are on a tight deadline. So, with a Breakdown cover, you can rest assured that, if you get delayed due to an issue with the car, the cover will protect you.
You may also want to take out a Public Indemnity Insurance cover, which can protect you against claims made by a third party if you’re found responsible for financial loss or even reputation. This is because you’re responsible for getting the items to their destination safely and in a timely manner; if you’re unable to and your client suffers as a result, they can file a claim against you.
We’re insurance brokers in Bolton with over 20 years of experience in providing affordable covers to all our clients. Not only do we have access to exclusive markets and premiums, but we can also provide you with some European cover if needed.
If you’d like to learn more about how we can help, get in touch today. We’re truly independent, so we can perform a thorough market exercise with no allegiance to a specific insurer; nonetheless, we’ve managed to build strong relationships with insurers, which helps us to find the right cover for you at competitive prices.