Products and Public Liability Insurance

Safeguard your deliveries

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Please get in touch with us at 1300 220 212 for a custom quote.
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Product & public liability for parcel delivery

Protect your business, one delivery at a time

As a courier, every delivery is a commitment, and every parcel a responsibility, each with its own set of risks and uncertainties. Whether you’re navigating busy city streets or delivering to remote locations, the road ahead can be fraught with unexpected challenges.

When the unexpected strikes, Product and Public Liability Insurance provides more than just financial protection – it offers peace of mind. With this insurance by your side, you can keep your business moving forward, no matter the obstacle that crosses your path. It’s the assurance you need to focus on what you do best – delivering promises and exceeding expectations, all while knowing you have a safety net to handle the unpredictable twists and turns of courier life.

What can Products and Public Liability Insurance cover?

Products and Public Liability Insurance is designed to provide comprehensive coverage for couriers, protecting your business from a range of potential risks and liabilities. While coverage can vary depending on the specific policy and insurer, here are some common things this type of insurance can cover:

Product liability and public liability

Product liability & public liability

injury claims

Property damage & injury claims

Subcontractor legal liability

Advertising liability & contractual liability

Legal costs

Legal costs

What’s at risk?

Here are some risks you need to be aware of:

cargo damage

Product liability and damage

This insurance provides coverage for any harm or injury caused by products you deliver, protecting you against legal expenses and compensation claims. It also provides protection for property damage resulting from accidents involving your delivery vehicle, covering repair or replacement costs.

injury claims

Public liability and injury claims

Accidents happen, and public liability safeguards you against accidents during deliveries that lead to injury or property damage to third parties, including pedestrians and clients. It also provides coverage for medical expenses, rehabilitation costs, and legal claims filed by third parties who suffer injuries during your courier operations.

Legal Expenses

Legal costs and awards

If something does happen, insurance provides financial support for legal expenses incurred when defending your business against liability claims, such as attorney fees and court costs. It also gives assistance in settling or paying court-awarded damages in the event of a liability claim against your courier business.

Third-Party Liability claims

Additional coverage

There are usually a lot of unplanned costs when something happens. Insurance protects you against legal issues arising from your advertising or promotional materials, including legal costs and damages. It can also provide coverage for liability related to contractual agreements, ensuring compliance with contractual obligations, and medical expenses.

Need to make a claim?

Don’t worry – we’re here to help. Follow these steps to ensure a smooth claims process.

1. Gather information

Collect your essential information, including your policy number, insurer’s name, and agent’s contact. Be ready to describe the incident type, damage or loss, how it occurred, any witness, and any additional documentation or photos if available.

2. File your claim

To file a claim, contact your insurer and provide your policy number. The claims adjuster may request more information or documents, and some insurers offer online claim forms for quick submission.

3. Review and negotiate the claim

Once you file your claim, the insurer will respond within ten business days. If approved, expect a settlement offer that may be lower than anticipated. If denied, they’ll provide a reason, and you can appeal with legal guidance. Keep all related documents for future reference, and if your claim is approved, move forward accordingly.

4. Get the payment

After settling, expect a payment from the insurance company. For inquiries or claim status updates, contact your insurer or broker. In exceptional cases, like catastrophes, the process may extend up to 12 months, but you can still inquire about your claim’s status.

Our Client
Stories

Why GSK Courier Insurance?

When being mobile is your livelihood there is too much at stake for you to risk not having adequate insurance. A call to GSK’s team of experienced courier insurance brokers sets in motion a process designed to provide you with comprehensive and competitively priced cover that is specifically tailored to suit your courier needs.

You work hard to grow your courier business – don’t risk your future with inadequate insurance. Protect your future GSK’s Couriers Insurance package. Give us a call for courier insurance quotes today.

Product liability and public liability

40 years experience

With over 40 years of experience, we’ve seen it all – and that’s why our customers trust us to provide them with the best insurance solutions for their unique needs.

Carrier legal liability

Tailored Insurance Packages

Don’t settle for a one-size-fits-all insurance plan. Our tailored courier insurance ensures that you get the coverage you need to keep your business running smoothly.

Subcontractor legal liability

Instant Quotes

Get the coverage you need, fast. With our instant quotes, you can find out just how affordable insurance can be, in just a few clicks.

Australia Wide Cover

From the outback to the coast, our Australia-wide cover means that you’ll always have the peace of mind you need to operate your business with confidence.

Legal costs

Competitive Pricing

Why pay more than you have to for insurance? Our competitive pricing ensures that you get the coverage you need at a price you can afford.

Excellent Customer Service

We believe that great customer service is the foundation of GSK Insurance. That’s why we go above and beyond to provide you with the support and guidance you need to make informed decisions about your insurance coverage.

Frequently Asked Questions

What is Products and Public Liability Insurance for couriers?

Products and Public Liability Insurance for couriers is a specialised insurance policy designed to protect courier businesses from liability claims related to product deliveries and accidents that result in injury or property damage to third parties.

Why do couriers need Product and Public Liability Insurance?

Couriers face numerous risks during their operations, including accidents, damaged goods, and third-party injuries. This insurance provides financial protection, covering legal expenses and compensation claims that can arise from these incidents.

What can Products and Public Liability Insurance cover?

  1. Products Liability: This coverage safeguards your business in case a product you deliver causes harm or injury to a customer or third party. It includes coverage for legal expenses and compensation claims arising from product-related incidents.
  2. Public Liability: Public Liability Insurance protects you when accidents occur during deliveries, leading to injury or property damage to third parties, such as pedestrians, clients, or bystanders. It covers legal expenses and compensation claims filed against your business.
  3. Property Damage: If your delivery vehicle is involved in an accident and damages another person’s property, this insurance can cover the cost of repairs or replacement.
  4. Injury Claims: In the unfortunate event of a third party suffering injuries during your courier operations, this insurance provides coverage for medical expenses, rehabilitation costs, and potential legal claims.
  5. Legal Costs: Product and Public Liability Insurance can cover the legal expenses incurred when defending your business against liability claims, including attorney fees and court costs.
  6. Court Awards and Settlements: It provides financial support to settle or pay court-awarded damages in the event of a liability claim against your courier business.
  7. Advertising Liability: In cases where your advertising or promotional materials lead to legal issues, this insurance can help cover related legal costs and damages.
  8. Contractual Liability: Some policies extend coverage to include liability arising from contractual agreements, ensuring that your business complies with contractual obligations.
  9. Products Completed Operations: This coverage applies to claims related to services or deliveries that have already been completed, offering protection even after the delivery is made. 
  10. Medical Expenses: In cases where minor injuries occur during your courier operations, this insurance can cover medical expenses for the injured parties.
  11. Additional Coverage Options: Depending on your specific needs, you can often customise your policy to include additional coverage elements or increase coverage limits to ensure that your courier business has robust protection.

Is Product and Public Liability Insurance mandatory for couriers?

While it may not be legally required in all regions, many clients and contracts may stipulate the need for couriers to have this insurance to safeguard against potential liabilities.

What happens if I damage a customer's property during a delivery?

If you damage a customer’s property during a delivery, Product and Public Liability Insurance can cover the cost of repairs or replacement, protecting your business from financial losses.

Product and Public Liability Insurance by GSK Insurance

For more information about commercial motor vehicle insurance, contact GSK Insurance Brokers today.

Courier Hotline: 1300 220 212

Courier Email: courier@gskinsurance.com.au

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