Delivering parcels requires you to act responsibly and professionally as you could be delivering expensive items or items that are crucial to businesses or individuals. This means that you are exposed to potential claims and therefore, you need the right cover.
Professional indemnity insurance is created to protect your business form claims associated with negligence or incorrect advice. Handling parcels whether they are large or small requires the same service but if you a customer is dissatisfied with the service and believe that you have caused them financial loss then they will look to recover their losses. You may have a time-critical parcel that a client requires by a specific time that you fail to deliver or you could damage a parcel in transit, all of which will make it possible for your customer to make a claim. While you may have not experienced a claim made against you in the past it does not mean it will never happen in the future so you need to protect your business with professional indemnity insurance.
Public liability insurance protects you should a customer become injured as a result of your work. You may decide to leave a parcel in a specific place without the knowledge of your customer and they could trip over it and severely injure themselves as a result. This could mean time off work and even surgery so they will look to make a claim in order to recover these costs and receive compensation. This is insurance that is extremely important to your business so you should make sure that you have it in place.