Delivery Service Insurance: Four Reasons Your Delivery Business Needs It

If your delivery service brings meals, groceries, or other goods to customers’ doors, you need the right insurance to cover you when things go wrong. In this blog, we’ll outline four reasons not to deliver another item without proper delivery service insurance.

Delivery Service Insurance: Four Reasons Your Delivery Business Needs It

  1. Coverage for Your Delivery Vehicle. What happens if the driver you’ve employed gets in an accident while making deliveries? Without commercial auto insurance, you could be liable for their injuries and repairs to your vehicle. This policy type- typically included in your delivery service insurance package – covers all delivery drivers and vehicles associated with your business.
  2. Coverage for Third-Party Injury. Sometimes, injuries can happen in the weirdest circumstances, like someone tripping over the box you just delivered. Therefore, you’ll need to ensure your delivery service insurance plan also includes protection for others. This will protect you from huge medical and legal bills if someone gets injured and sues you for damages.
  3. Coverage for Property Damage. Mistakes happen during deliveries – a package gets dropped, goods spill, and property gets damaged. Delivery service insurance covers you when a mishap causes harm to a customer’s home or belongings.
  4. Coverage for Lost Items. One thing about deliveries is that, for one reason or another, they won’t always make it safely to the right address, regardless of how diligent you are. Insurance can reimburse you for lost or stolen packages, so you’re not paying for such errors out of pocket. This protection provides peace of mind, knowing you won’t take a financial hit for missing deliveries.

Whether you own a delivery business or work as a contractor for one, there are plenty of reasons to invest in delivery service insurance coverage. At Curtis Helms Insurance, we offer this solution in the Charlotte, North Carolina area at affordable rates. If you’re interested in exploring your options, talk to one of our insurance agents today.