What insurance do you need as a self employed courier?

Now is a great time to be a self-employed courier, with plenty of big delivery companies and smaller firms all competing to make deliveries of items that have been purchased online. The industry is booming, so whether you are looking for something you can do full-time on a more flexible schedule or are simply hoping to earn some extra money using your car or van, it’s a great time to get into this career. If you enjoy driving, don’t mind working on your own and know how to follow directions well, then being a self-employed courier could be an ideal choice for you. However, before you get started, you’ll need to make sure that you have the right insurance in order to do your job legally and safely. 

Courier Van or Car Insurance

The first type of insurance that you will need is cover for the vehicle that you use to make deliveries. Courier insurance allows you to drive your van or car specifically as a courier. It considers the fact that you are on the road for longer compared to regular road users and therefore are at a higher risk of being involved in an accident. You will not be covered for courier work if you only have a standard insurance policy for your vehicle, and you could be fined or even lose your license if you are pulled over by the police. You can find insurance policies for couriers here. 

Goods in Transit Insurance

When you work as a courier, you should also make sure that you have insurance for the items that you are delivering. Goods in transit insurance will protect the value of the items that you are delivering if they are damaged, lost or stolen. While this type of insurance is optional for couriers, you will usually find that most businesses that you can deliver for will require it before they allow you to start work if you are delivering goods for them. And it protects you from being financially responsible for the goods you’re delivering if anything happens to them. People buy all kinds of expensive things online these days, so don’t take the risk. 

Public Liability Insurance

Finally, if you are self-employed as a courier then you will need to think about getting public liability insurance. In this job, you’re working with the public whether you’re on the road or knocking on doors to deliver a parcel. Accidents can happen at any time, and if you accidently cause damage to somebody’s property, for example, then they could claim compensation from you. Getting public liability insurance will make sure that you are protected against any accidents you are involved in that involve members of the public. Your insurance company will pay compensation if somebody successfully claims against you, and you can claim back any costs of legal defence that you might need. You can usually find courier insurance packages that include this type of insurance in the cost. 

Whether you’re delivering parcels for big names like Amazon or for smaller local businesses, it’s important to make sure that you have the right insurance.

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