Couriers provide delivery services to a range of clients including individuals, businesses and government agencies. The dynamic and fast-paced nature of your work means that you’re exposed to a number of risks while you’re out on the road. So, what kind of insurance cover do courier drivers need to consider to ensure that your risks are covered? Let’s take a closer look at the insurance policies which should be considered by courier drivers along with additional risk reduction strategies.
Insurance for courier drivers
Motor vehicle insurance
Motor vehicle insurance is one of the most obvious forms of cover that should be in place for courier drivers. The fact that you spend a lot of time in your vehicle each day means that there is a higher risk of something going wrong. The level of motor vehicle insurance that you require will depend on your specific circumstances but it’s important to remember that third party insurance is compulsory in Australia, which covers you for personal injury you may cause another person in a car accident. Given that you rely on your vehicle for your livelihood, an accident on the road could set you back many thousands of dollars without the correct insurance cover in place. If you’re not sure what level of vehicle insurance you require, simply speak to your broker and they can give you personalised advice.
Public liability insurance
Public liability insurance provides financial protection if you cause damage to property or injury to a third party as a result of your actions at work. As a courier, all it would take is for a third party to trip over one of your parcels or for you to accidentally damage property while carrying out a delivery to find yourself involved in an expensive claim. Liability. Insurance is an essential form of cover for most businesses as it covers you for unforeseen accidents.
Good in transit insurance
Goods in transit insurance covers you if items that you’re transporting from one location to another are lost, damaged or stolen. For courier drivers who are operating their own business, it’s important to keep your costs to a minimum and the last thing you want to contend with is being responsible for the costs associated with something happening to the items you’re delivering. Good in transit insurance provides peace of mind for couriers that these costs would be covered.
Personal accident and illness insurance
Courier drivers rely on being mobile to allow you to carry out your work and finding yourself suddenly unable to work due to injury or illness can mean you have no way of earning an income. Personal accident and illness insurance means that you’ll continue to receive a portion of your income if an injury or illness means that you’re unable to work. This means you can recover while also keeping up with expenses such as bills and daily living costs. For courier drivers who are often self-employed, personal accident and illness insurance is a particularly important consideration.
Risk reduction tips for courier drivers
Courier drivers face a wide range of risks and it’s important that both you and your employees are aware of the best working practices to ensure you stay safe. Just some of the risk reduction strategies you should consider include:
- Keep a detailed list of deliveries, including times and addresses, so your business knows where employees are at all times.
- Avoid carrying cash and other valuable items in the vehicle.
- Have a mobile telephone with you at all times and consider investing in in-car surveillance to monitor activity.
- Bring a torch with you at night to ensure you can navigate dark locations and try to arrange deliveries where possible for daylight hours.
- Avoid parking in poorly lit or isolated areas and park as close to the delivery site as possible.
- Ensure you have a system in place where you communicate to colleagues when you arrive and leave a destination.
- Always deliver to the front entrance of a building and avoid going into back entrances or side doors.
- Have a first aid kit available in every vehicle in the case of injury.
- Provide training to employees to ensure that they’re aware of all safety precautions they should take when out on a job.
Here at GSK Insurance Brokers, we offer personalised insurance solutions for your courier insurance business so you can be confident that you’re protected financially. We understand that you face a unique set of risks and our brokers have the knowledge and experience to offer customised insurance packages to meet the needs of your growing business.
For more information about courier driver’s insurance, contact GSK Insurance Brokers today.