Courier & Delivery Vehicle Insurance

Courier and delivery service businesses earn their income by delivering letters, newspapers, magazines, documents or packages for a fee. Typical items transported by courier and delivery services include:

• Medical samples
• Legal documents
• Express packages
• Newspapers or magazine delivery
• Bundled newspapers or magazines to carrier drop points or retail locations
• Door-to-door mail delivery
• Bundled mail to distribution hubs

Courier Service Insurance

Progressive provides courier insurance for people who drive their personal vehicles to make deliveries. These couriers may be under contract to one employer, such as a FedEx driver, or they may make deliveries for many different companies, such as a local messenger service.

What Should You Know About Your Courier Service Insurance Coverage?

If you are contracted to one company, your employer may provide Cargo insurance to protect delivered goods. Some companies will also provide basic Liability insurance to cover their employees while they are working. Ask your employer if you are unsure whether or not they supply Liability insurance coverage.

You should also find out what kind of commercial vehicle insurance your employer provides, as it may only protect you while you're delivering for them. In that case, you'll need your own auto insurance policy for when you drive your vehicle for personal use.

It's also important to know if an employer or contractor has any requirements regarding insurance that you purchase for yourself, such as minimum Liability insurance limits.

If you're self-employed, you'll want to visit the business auto insurance section for a complete list of courier insurance and delivery services insurance coverages offered by Progressive.

http://www.progressivecommercial.com/insurance/courier-delivery-insurance.aspx