Whether you’re a sole trader or run a large firm, we offer a wide range of comprehensive Tailored business insurance that's steered by you.
Choose from public liability, business equipment, personal accident cover and more.
Why do couriers need business insurance?
As a delivery driver, you may think you just need insurance for your vehicle. But insuring yourself against the risks of your role is just as important. From interacting with the public to using expensive equipment like a GPS tracker, there are a number of opportunities for incidents to happen when you're out making deliveries.
Our business insurance for delivery drivers is designed to protect you with tailored cover that you can customise to suit the needs of your services.
10% of couriers paid £7.18 a month or less for their Superscript business insurance between April and June 2022.
- Choose £1m, £2m, or £5m public liability cover
- Optional employers liability, personal accident and equipment cover
- Change or cancel anytime, no fees
- Pay monthly by subscription
Set up your courier insurance in less than 10 minutes
Change or cancel it at any time. No fees.
What insurance do couriers need?
Public liability insurance
The most popular cover for many businesses, including couriers – 92% of our courier customers buy public liability insurance. It offers financial compensation in the event that a client, or any other non-employee, takes legal action against you for injury or property damage caused by your work.
Business equipment cover
As a delivery driver, you'll likely have business equipment, such as a phone, laptop, and GPS tracker that helps you do your job. If these items were stolen or damaged, business equipment insurance would cover the cost to repair or replace them, so you never miss a delivery.
Personal accident cover
Hauling often heavy deliveries up and down flights of stairs or in and out of a van can make you more prone to a potential accident. If you unfortunately suffered an accident while making deliveries, which resulted in loss of sight, hearing, speech or a limb, death or that left you disabled and permanently unable to work, this type of insurance would offer financial compensation, while you're unable to work.
You may be surprised to see this one on the list, but cyber insurance is relevant to any business that stores personally identifiable information.
As a courier, you'll likely hold personal information about the people you're delivering to, including names, email addresses and even birth dates. This could make you the target of data theft. Cyber insurance is designed to protect you in the event of this happening, offering financial compensation for fines you may receive as a breach, as well as legal fees.
Employers liability insurance
If you employ a team, employers liability cover is a legal requirement for businesses in the UK - regardless of whether your team is made up of full-time, temporary or part-time staff.
Employers liability insurance offers financial protection if an employee suffered an injury at work and wanted to make a claim against you.
We've made insuring your business simple. Get started.
What's not included in our courier insurance?
Motor contingent insurance
If you have a road accident while making deliveries, you would need to have a separate motor contingent policy to cover that.
For any claims relating to your delivery vehicle, you would need a separate policy such as hire and reward cover or breakdown cover under your vehicle insurance.
Goods in transit cover
If someone broke into your vehicle and stole the items for delivery, this would require additional transport or logistics insurance.
Courier insurance claims
The types of risks that could happen are different for every business, but here are a few examples of claims that could happen to delivery drivers where the business could be liable.
While handing over a heavy package to a customer, you accidentally drop it on their foot, causing a fracture. Public liability would cover the legal and compensation costs.
A hurt back
An employee wasn’t trained on how to lift heavy items and injures their back, rendering them unable to work. Employers liability insurance covers compensation and legal costs for employee claims.
How do claims work?
You make a claim
Log in to your online account and go to the ‘Make a claim’ section. There, you can make a claim directly – there's no need to call us.
We'll ask you for some details about your claim, including a crime reference number (if applicable), the date of loss, type of claim and its detailed description.
You can also attach any relevant supporting documentation like proof of loss or proof of purchase.
We'll get on the case
Once submitted, your claim will be assessed.
If the claim is large, we may need more information from you. Or, if it's small, our team may be able to settle it within a couple of days (or hours, in some cases).
Either way, we'll keep you regularly updated and you'll be able to see the status of your claim on our customer portal.
Your claim is settled
After it's been assessed, we'll let you know if your claim has been successful or not.
If items have been lost, stolen or damaged, we might arrange for the items to be replaced or make a payment to you.
Courier insurance FAQs
The cost of your delivery driver premium is based on the types and level of cover you choose. As an example, 10% of couriers paid £7.18 a month or less for their Superscript business insurance between April and June 2022.
Couriers and hauliers are largely similar in what they do, however, couriers are often seen as delivery drivers who make multiple drop-offs in their local area every day, whereas haulage drivers are seen to make larger deliveries, often over longer distances.
At Superscript, we offer both courier and haulage insurance. Simply click on 'Start your quote' and search for your main business activity.
There are three levels of public liability cover that you can buy – £1m, £2m and £5m. The one you choose will be dependent on the risks you face within your work and how a claim could play out if one was made.
For instance, as a courier, you will often encounter members of the public. If an accident happened which left someone you were delivering to injured or their property was damaged and they made a claim, a legal battle and compensation could cost millions.
With this in mind, it's worth thinking about the types of claims that could affect you and how much they could potentially cost, so you can accurately calculate the level of cover you need.
As a delivery driver who's regularly in contact with the public, the most important type of business insurance to consider is public liability cover. It provides financial support if a member of the public made a claim against you for accidental injury or property damage.
If you employ people, from temporary couriers to a team of dedicated delivery drivers, you are legally required to have employers liability insurance in the UK.
- 12 Aug 20225 minute read
Your weekly business news roundup that allows you to speed through the top news stories affecting the UK’s small businesses, all in under 5 minutes.
Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.