Dave Beard

Expertly compared by Dave Beard

Products Updated June 4, 2018

Business Insurance For Delivery Drivers & Vans

If you are a delivery driver or run a delivery business then you’ll need adequate insurance to protect you against risks associated with the type of work you do. Cover to protect your business can be arranged quickly across a wide range of insurance needs including professional indemnity, public and employers liability insurance.

Our insurance experts can compare the market to find you the best deal on business insurance. Get a free quote and advice today:

2 providers expertly compared:

Hiscox

Provider
Hiscox Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.8/ 5

All credit types

Hiscox commercial business insurance provides a professional level of cover to protect every aspect of your business, from the premises to the people who work for you, and any legal matters that may arise from your day-to-day operations.

2 providers expertly compared:

AXA

Provider
AXA Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.7/ 5

All credit types

AXA business insurance can cover you and your business for every eventuality. Apply online today and save an extra 10% on your quote instantly.

Read our customer and visitor reviews for this product:

Rating: 5 / 5 with 1 votes

Recieved quotes as promised.

by Clear Eye Wear Limited

Happy with the process and quotes. Simple to use and back up with a phone call. No pressure to buy, which was reassuring.

FAQ

As a delivery driver, customers rely on you to deliver parcels on time and in the correct condition. Parcels can come in many shapes and sizes but you have to be sure that you secure them in your vehicle and deliver them as the customer expects. Handling items of different values puts you at risk because customers have high expectations and if you do not meet them they will look to recover losses or compensation. Being in possession of items that belong to someone else puts you at risk and this means a claim can be made against you. Errors such as incorrect advice or negligence can lead to claims and these can be expensive to defend or settle if you do not have business insurance in place.

Business insurance will give you the confidence you need to work efficiently but it will also protect your business. Errors are possible in any industry and yours is no different so you need to make sure that you are protected. You may act negligently or cause injury and this will mean that customer will look to recover any financial losses or fight for compensation for injury. These claims can be expensive to defend but having the right cover in place will mean that you can deal with claims while focussing on the needs of your business.

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.

Business insurance comes with these features:

  • Each claim is covered regardless of the outcome
  • Full assessment of each claim to allow payment to be released
  • Full protection for your business
  • Defence costs and compensation costs are included
  • Business requirements are understood in order to determine the right cover
  • Court appearance costs are included
  • Payment plans with flexible terms available to fit your budget

What Are the Benefits?

Business insurance comes with the following benefits:

  • Full legal compliance as well as meeting any legal expectations
  • Spend more time considering the needs of your business and delivering a service
  • Protects your finances
  • Professional advice and guidance available as well as representation
  • Gives you peace of mind and confidence in your decisions

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