Public Liability Insurance for Couriers
For a courier, most of the liability risk is not on the road. It is in the ninety seconds at each end of the trip: on a loading dock, in a lift, through a customer's front door or reversing in a tight car park. Motor cover deals with the driving. Public liability deals with everything that happens once you stop.
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What delivery drivers insurance covers
The Risk Is at the Delivery Point
A dropped consignment through a shop window, a trolley into a lift door, a pallet jack over someone's foot. These are the everyday courier liability claims, and none of them happen while the vehicle is moving, which is why motor cover does not answer for them.
Site Access Usually Requires It
Warehouses, depots, hospitals and construction sites commonly will not let you past the gate without evidence of public liability at a stated limit. In practice the policy is less an insurance decision than a condition of being able to take the work at all.
Certificates of Currency, Before You Need Them
Head contractors and platforms ask for a one-page confirmation from the insurer showing your limit and period. Having it ready is often what decides whether you can accept a contract this week, so it is worth arranging before a client asks rather than after.
Defence Costs Are the Hidden Half
Even a claim that goes nowhere costs money to defend, and legal costs can rival the damages on a modest incident. Public liability covers the defence as well as the payout, which for a sole operator is frequently the more valuable half of the policy.
Where the Limit Should Sit
Twenty million is the common contractual requirement in Australian transport and logistics, with ten million still accepted in some settings. Going below what your contracts specify saves very little and can put you in breach, so we set the limit against the work you actually want.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Courier Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
Do courier drivers need public liability insurance?
Isn't my vehicle insurance enough?
How much public liability cover do couriers need?
Does public liability cover damage to the goods I am carrying?
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Courier Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).