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.
Imagine this: 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 fulfil 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 themthelves or become ill due to work.