Expert Strategies & Tips for Buying Courier Insurance
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What Is Courier Insurance?
Courier insurance protects companies and individual contractors who offer product delivery services to clients.
From theft to damages, there’s a lot that can go wrong when transporting products, and the financial implications of these effects can put you out of business.
You won’t have to pay for lost, stolen, and damaged products out of pocket by having curier insurance.
In addition to standard courier service insurance, you can add additional coverage to your policy, depending on the type of business insurance you may need.
Other benefits of some courier business insurance policies include accident protection and vehicle replacement, should your vehicle have issues such as a flat tire or mechanical problems that make it inoperable.
Should a Courier Company Have Insurance?
All courier companies should have insurance because of the often insurmountable cost of replacing a client’s products.
Furthermore, employer’s liability insurance will protect you from costly charges for compensation should any of your employees get injured on the job.

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Do I Need Curier Insurance?
If you own a solo-run business, you still should have courier service insurance.
The cost for this insurance is incomparable compared to what you’d have to pay should you have an issue or accident while working.
Courier business insurance will give you peace of mind so that you can focus on what matters most to you—keeping your clients happy and building your business.
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What Insurance Does a Courier Company Need?
All courier businesses need to have Third Party Only (TPO) insurance to comply with the law.
However, this is a minimum coverage type of insurance that will protect you from third-party liabilities in the event of an accident.
Still, it’s not sufficient for most courier companies.
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For this reason, you should consider Third Party and Theft insurance, which also covers fire or theft involving your work vehicles.
If you’re seeking maximum protection, comprehensive courier insurance is ideal as you, your employees, and your car will all qualify for coverage which can be handled by purchasing commercial auto insurance.
Breakdown cover insurance is another critical element for courier insurance; since you’re on the road so much, there’s a high chance your vehicle will break down, and you’ll need to pay your clients late delivery fees.
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Other Insurances Curier Companies May Consider
While any kind of courier insurance is better than no insurance, businesses with multiple employees and transporting expensive products should consider adding the following insurances to their policy:

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How Much Does Courier Insurance Cost?
The cost of courier insurance varies greatly depending on your business.
Consider when getting a courier insurance quote that the types of products you carry, their value, and the number of vehicles you have are the main factors that impact policy prices.
By getting in touch with a courier insurance agency, you can receive a quote customized for your business, regardless of how small or large it is.

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