:quality(80))
:quality(80))
:quality(80))
A Guide To Evri, Amazon, And Other Self Employed Delivery Driver Insurance
Are you considering becoming a self-employed delivery driver but wondering what type of insurance you will need? Working on your own schedule can be…
Courier LiabilityInsurance
Courier Liability Insurance
Public liability insurance for couriers, cover if your delivery work injures someone or damages their property.
Public liability insurance for couriers, cover if your delivery work injures someone or damages their property.
Enter your vehicle registration
Public liabilityEmployers’ liabilityMeets contract limits
Compare from trusted insurers
Speak to an adviser today 0330 808 1119
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80)){kind=logo}
:quality(80))
How can we help?
How can we help?
A contract needs proof of cover
Depots, platforms and business clients often ask couriers for public liability before offering work.
I employ drivers or helpers
Employers’ liability is a legal requirement for most courier businesses with staff.
I’m not sure what I need
Tell us how you deliver and a courier specialist will explain which covers matter for you.
What does courier liability insurance cover?
What does courier liability insurance cover?
Courier liability insurance covers claims from other people: injury to a customer, damage to their property, or claims from your own staff. Your motor policy and goods in transit cover the vehicle and the parcels.
Courier liability insurance covers claims from other people: injury to a customer, damage to their property, or claims from your own staff. Your motor policy and goods in transit cover the vehicle and the parcels.
Covered by:Public Liability
Learn more
Courier liability for every kind of courier
Courier liability for every kind of courier
Self-employed couriers, platform drivers and courier businesses with staff all face different liability risks. Start with the one closest to how you work.
Self-employed couriers, platform drivers and courier businesses with staff all face different liability risks. Start with the one closest to how you work.
Self-employed couriers
Working for yourself? One customer claim could cost more than a year’s earnings without cover.
Platform and app drivers
Delivering for Amazon Flex, Evri or Uber? Check whether platform cover includes your personal liability.
Courier businesses
Employing drivers or helpers? Add employers’ liability alongside your public liability.
Contract couriers
Bidding for depot or business contracts? Get proof of cover at the indemnity level they ask for.
Which insurance does a courier actually need?
Which insurance does a courier actually need?
Only hire and reward motor cover and employers’ liability (if you have staff) are legal requirements.
Only hire and reward motor cover and employers’ liability (if you have staff) are legal requirements.
| Type of cover | Legally required? | Who needs it? |
|---|---|---|
Hire and reward motor insurance | Yes | Anyone paid to deliver goods by car or van |
Employers’ liability insurance | Yes, if you employ staff | Courier businesses with employed drivers or helpers |
Public liability insurance | Not legally required | Couriers visiting homes, depots or premises, often asked for in contracts |
Goods in transit insurance | Not legally required | Couriers carrying goods that belong to customers or clients |
Legal expenses cover | No | Help with contract disputes, unpaid invoices and defending claims |
Breakdown cover | No | Keeps you earning if your vehicle breaks down mid-round |
Equipment cover | No | Sack trucks, trolleys, scanners and other kit you rely on |
Top Tip
Your motor policy covers what happens on the road. Public liability covers what happens once you step out of the vehicle, so most couriers need both.
What affects the cost of courier liability insurance?
Courier liability insurance has no set price. It depends on your level of indemnity, the type of deliveries you make, whether you employ staff, the size of your operation, your excess and your claims history.
Level of indemnity
Couriers often choose £1m, £2m or £5m. Higher limits cost more but may be required by contracts.
Type of deliveries
Large, heavy or two-person deliveries carry more injury and damage risk than small parcels.
Number of staff
Employing drivers or helpers increases your exposure and adds employers’ liability to the policy.
Size of operation
More drops, more vehicles and higher turnover mean more contact with customers and the public.
Level of excess
A higher voluntary excess can lower your premium, but you’ll pay more towards any claim.
Claims history
A clean claims record usually means a lower premium, both at quote and at renewal.
Build your courier liability policy
Build your courier liability policy
Start with public liability, then add the covers that fit how your courier work runs.
Start with public liability, then add the covers that fit how your courier work runs.
Public Liability
Covers compensation and legal costs if you injure someone or damage their property while working.
Employers’ Liability
A legal requirement for most employers, covering claims from staff injured or made ill at work.
Goods in Transit
Protects customers’ goods against loss, theft or damage while they’re in your vehicle.
Legal Expenses
Help with legal costs from contract disputes, unpaid invoices and defending claims made against you.
Hire & Reward Cover
The motor cover your vehicle legally needs for paid deliveries, arranged alongside your liability.
Courier liability insurance without the guesswork
We help couriers understand exactly what their liability cover does, and what it doesn’t, so there are no surprises when you need to claim.
Why couriers choose us:
Courier and delivery specialistsQuotes from a panel of UK insurersExperienced UK-based advisersIndemnity levels to match contractsEmployers’ liability for growing teamsHuman support when you claimHow the quote process works
How the quote process works
Simple steps. Specialist advice. The right liability cover for your courier work.
Simple steps. Specialist advice. The right liability cover for your courier work.
1
Tell us how you deliver
Share your courier work, vehicles and whether you employ anyone.
2
Choose your indemnity level
Pick a limit that meets your contracts, from £1m upwards.
3
Add the covers you need
Include employers’ liability, goods in transit or legal expenses.
4
Get covered and working
Receive your documents quickly so you can show proof of cover.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by couriers and delivery businesses
Trusted by couriers and delivery businesses
From self-employed multi-drop drivers to courier firms with staff, couriers trust Insurance Revolution to find the right liability cover and expert support.
From self-employed multi-drop drivers to courier firms with staff, couriers trust Insurance Revolution to find the right liability cover and expert support.
Courier insights & guides
Courier insights & guides
Straightforward guidance on the liability risks couriers face every day.
Straightforward guidance on the liability risks couriers face every day.
:quality(80))
Can I Use My Personal NCB To Bring Down The Cost Of My Courier Insurance?
Most insurers will not allow you to use your personal no claims from a private car when trying to bring down the cost of your Courier Insurance…
:quality(80))
CMR Insurance: What Is It And Who Needs It?
When it comes to carrying goods across European borders, a CMR insurance policy is essential. The special insurance policy is in tune with the CMR…
:quality(80))
Courier Blog Series: How To Avoid Injury At Work Lifting And Driving Safety?
Accidents on the job are all too common. From slips, falls and lifting-induced injuries to road traffic accidents and theft, there is an array of…
:quality(80))
Courier Blog Series: How To Avoid Scams And Fraudulent Jobs Given Out By Courier Driver Services
Courier scams or phishing is a newer type of scam that is causing more and more problems for the general public and courier drivers. Often, a…
:quality(80))
Courier Blog Series: How To Get Jobs And Money As A Courier Driver
Most courier drivers can earn a decent salary. And, with a higher demand for drivers today, it’s likely that drivers will see a salary increase.…
Courier Blog Series: How To Start Up As A Courier Driver
Now is the perfect time to get into the courier business. With more people shopping online and relying on home delivery services, there is a greater…
:quality(80))
Courier Blog Series Top 10 Pieces Of Kit Needed To Be A Courier Driver
In addition to your mode of transportation, a van, car, motorcycle or bicycle, there are several other items that courier drivers should carry with…
Courier Insurance For Private Cars
People who want to use their private cars for courier work may find it difficult to obtain insurance coverage for the work they would like to carry…
:quality(80))
Delivery Driver Speeding Statistics
Delivery drivers are an essential component for businesses transporting goods and services. Their role in a company can lead to quicker sales,…
Different Ways To Become A Courier Driver In 2021
Are you toying with the idea of becoming a courier driver? If you’re over 18, have a clean, valid driving license and have sorted the right courier…
Do I Need Specific Courier Insurance To Be A Courier?
Strictly speaking, no. As a courier, you require a number of specific insurances to do your job properly. These can be arranged under one umbrella…
Do The Type Of Goods I’m Transporting Affect The Price Of My Courier Insurance?
In general, most couriers do not know exactly what they are carrying at any one time, so if you are not expressly aware of what you are transporting,…
:quality(80))
Do’s And Dont’s For Promoting Your Courier Business
You’ve taken the plunge and started your own courier business. Congratulations! But the hard work is far from over. Now’s the time to promote your…
:quality(80))
Getting Started As A Courier
Starting up your own courier business has many attractive qualities: being your own boss, flexible hours, and getting to travel from place to place.…
:quality(80))
Gig Workers Statistics
The word ‘gig’ is slang, which refers to a job that only lasts a certain amount of time. This is why you hear this word used by musicians, referring…
How Much Does Courier Insurance Cost?
There are a large number of qualifying factors that will determine the specific cost of Courier Insurance. Insurers generally believe that there is…
:quality(80))
How to Choose the Right Insurance Policy for Your Courier Business
Running a courier business means dealing with tight schedules, demanding clients, and the constant pressure of ensuring packages reach their…
The Best And Worst Courier Companies To Work For
Now that you have decided to take on some courier work, how do you decide who to work for? Choosing the best company for you can be a minefield, as…
The Importance of Goods in Transit Insurance for Couriers
In the busy world of delivery services, ensuring the safe and timely arrival of goods is vital. As the demand for reliable courier services continues…
Top 5 Risks for Delivery Drivers and How Courier Insurance Can Protect You
As a delivery driver, you face a unique set of challenges and risks every day. From navigating through traffic to ensuring timely deliveries, the job…
What Are RHA Conditions?
RHA (Road Haulage Association) conditions are the recognised industry standard ‘conditions of carriage’ for hauliers and can only be legally used by…
What Does Courier Insurance Cover?
Courier insurance is not just a choice but a legal requirement for businesses moving goods for others on UK roads. Unlike private cover, courier…
What Insurance Cover Is Recommended For Couriers?
Whether you’re an experienced courier or just starting a business, understanding what insurance coverage you need can be confusing. To simplify…
Courier liability insurance FAQs
Courier liability insurance FAQs
Answers to the questions couriers ask most about public and employers’ liability.
Answers to the questions couriers ask most about public and employers’ liability.
Courier liability insurance covers claims made against you by other people: injury to someone or damage to their property caused while you are working.
Still not sure what cover you need?
Our courier specialists can explain your liability risks and the indemnity level that fits your work.