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Delivery and Courier Insurance
Coverage for delivery service companies
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Delivery and courier insurance tailored to your business needs
Courier businesses move quickly to meet customers' deadlines, and accidents can happen along the way. To help protect your delivery vehicles, drivers, and business, you need courier insurance that's customized to your work.
What is delivery courier insurance?
Delivery courier insurance is business insurance designed to protect courier and delivery companies. From vehicles and drivers to customers' property, you can get protection for various aspects of your operations, including:
- Employee injuries
- Third-party damages
- Business vehicles
Progressive Commercial has over 50 years of experience helping companies like yours. Learn more about courier insurance and see how we can connect you with the coverage you need. When you're ready, you can get a free online quote or speak with an insurance expert who understands your business.
Why delivery insurance is important
Delivery business insurance is important because it provides a financial safety net for your company. It can prevent a single accident from becoming a major setback. For example, if a driver crashes your delivery van into a customer's garage door, your policy can help pay to repair the damage and cover your employee's medical bills and lost wages.
Clients and customers may also require you to carry certain kinds of delivery and courier insurance as part of a contract. If you have a policy with Progressive Commercial, we make it easy to get a certificate of insurance (COI) and show proof of coverage.
Who needs delivery and courier insurance?
Businesses that provide delivery services for different types of materials usually need courier insurance. The following operations should consider carrying coverage:
- Sole proprietors working as independent couriers
- Retailers and grocery stores that deliver to customers
- Restaurants and bakeries offering their own delivery services
- Delivery and courier companies with multiple vehicles and drivers
Whether your business is large or small, Progressive Commercial has coverage that's right for you.
Types of insurance for couriers and delivery services
Delivery companies face many day-to-day risks, like accidents on the road or damage to a customer's property. A customized courier insurance policy can help you stay protected. Here are some common coverages that your delivery and courier service should consider.
General liability (GL)
Covers third-party injury and property damage
General liability (GL)
Covers third-party injury and property damage
General liability coverage protects your business against third-party damages and injuries. It also helps with claims related to advertising injury. Explore the benefits of general liability insurance and see how much GL costs .
Example: Your delivery van knocks over a mailbox when driving through a neighborhood. General liability can pay to repair and replace the damaged property.
Business owners policy (BOP)
Combines liability and property insurance in one convenient policy
Business owners policy (BOP)
Combines liability and property insurance in one convenient policy
A business owners policy pairs liability insurance with commercial property coverage, which protects buildings and business personal property against fire, theft, vandalism, and more. Read our BOP coverage guide to learn about additional protections.
Example: The garage where you park your fleet of delivery vans is vandalized, and your garage door is broken. Your BOP's commercial property coverage can help pay to replace the damaged door.
Commercial auto
Covers vehicles used for your business
Commercial auto
Covers vehicles used for your business
Depending on your policy, commercial auto insurance can protect your business vehicles, drivers, and the goods they transport. Minimum commercial auto insurance requirements vary by state, so be sure to check what's needed where you live. Other commercial auto coverages can expand protection to collisions, theft, and vandalism. If you have multiple vehicles, you may be eligible for small fleet insurance through Progressive Commercial .
Example: Your delivery van causes a multi-car accident. Courier van insurance with liability coverage can help pay for injuries and damage to others, and physical damage insurance can cover repairs to your own vehicle.
Workers' compensation
Protects employees who get injured on the job
Workers' compensation
Protects employees who get injured on the job
Workers' compensation helps support employees who become injured or sick on the job. If one of your delivery drivers gets hurt while working, this coverage can safeguard both of you from financial loss by paying for medical bills, lost income, and more. Check your state workers' comp requirements.
Example: One of your drivers strains their back while delivering heavy medical equipment. Workers' compensation insurance can cover medical bills, rehabilitation costs, and lost wages until they're ready to return to work.
Protecting property in transit
When you deliver critical documents, materials, and supplies, it's important to make sure the property you're transporting is covered in case of theft or damage. Inland marine insurance can protect property that's temporarily in your care, custody, and control . Talk to an agent or get an online quote to learn how to add coverage to your GL or BOP.
How much is courier insurance?
There's no set cost for delivery and courier insurance because each business has different needs and risks. The kind of goods you deliver and your coverage choices all play a role. Other common factors that affect your rate include:
- Location
- Business size
- Claims history
- Delivery radius
- Insurance limits
- Deductibles
Learn more about the cost of business insurance, and find out how you can save on courier vehicle insurance rates with a multi-product discount.
Why choose delivery and courier insurance through Progressive Commercial
Progressive Commercial has been helping small businesses like yours for over 50 years. Our flexible coverages make it easy to get a policy that's right for you. Start a courier insurance quote online or call us to speak with an in-house insurance expert.
