As a courier or haulage company, you’re entrusted with getting all kinds of goods from A to B, safely and in good time. However, even with the best will in the world, your business can be hit with unexpected problems that could affect whether your customers receive the goods they’ve left in your care. That’s why having the right business insurance policy in place is vital. Here’s what you need to consider when you’re taking out haulier insurance for your courier or haulage company.
Haulier Insurance – Liability insurance
First and foremost, a specialist hauliers liability insurance policy is a must, as this will cover you for the kinds of risks associated with your specific kind of business. Public liability insurance is also essential, as it covers accidental injuries to members of the public (or damage to their property) – a major concern whether they’re visiting your premises or they’re in the vicinity of one of your vehicles.
If you employ staff, you’ll be needing employers liability insurance, which is there in the event that an employee is injured while they’re working for you. You may also wish to add cover for business interruption, which gives you some income protection should anything unexpected prevent your business from running as normal.
Insuring your vans or lorries
Whether you operate a single van or a fleet of HGVs, your vehicles are essential to the running of your business. Taking out the right haulier insurance to cover you for the unforeseen is vital. HGV and lorry insurance will provide specialist cover for this kind of vehicle, and if you run more than one lorry, you could save money by taking out HGV/lorry fleet insurance.
If you’re a courier company, courier fleet insurance will give you the cover you need, while van fleet insurance provides tailored cover for light goods vehicles. With all these kinds of policy, you’ll be able to take out mixed fleet insurance if you operate more than one kind of vehicle. Whatever vehicles you use, you’ll be needing goods in transit insurance in case the goods you’re transporting are lost, damaged or stolen.
Your fleet is your most valuable asset, so it’s also worth adding in extras such as windscreen cover, overseas use, breakdown cover, black box policies and engineering cover to ensure you won’t be out of pocket should the unexpected happen to one or more of your vehicles.
Get Haulier Insurance Quotes Today
If you’d like to discuss insuring your courier or haulage company, and want to receive a competitive, no-obligation haulier insurance quote tailored to your specific business, give us a call on 0800 078 7003 (or 0300 600 0603) and one of our business insurance experts will be on hand to help answer all your questions.