Delivery Service Business Insurance
Whether your company focuses entirely on making deliveries or it’s just one of the components of your business, it is important that you have the right delivery service business insurance coverage to protect yourself, your employees, and your client’s goods in the event of any incident.
Delivery Service Business Insurance Options To Consider:
Business owners policy (BOP)
This is considered a small business coverage that is specifically tailored to address the unique needs of your delivery services company. A BOP comprises several coverages aimed at protecting both physical and intangible business assets from loss. These include:
- Electronic data
- Business income and additional expenses
- Buildings and contents – in all locations
- Employee dishonesty
General Liability Insurance
This insurance coverage protects your delivery company from any risks that may arise during standard business operations, including accidents or mistakes caused by your employees on premises or at the client’s location. This coverage can pay for damages, repairs, cost of legal defense, and even customer suits and settlements when injuries or damages occur. It is very flexible in nature, and grows with the size of your company as you expand your operations, acquire new assets, and extend your delivery radius.
Business Auto Insurance
A busy delivery business will require your drivers to spend hours on the road, only leaving the vehicle to pick up more items from your location or drop them off at various destinations. The fatigue associated with driving continuously for miles, sometimes in harsh conditions increases the risks of accidents. Whether you’re using business-owned, personal, or hired vehicles, they should have the right commercial delivery business auto insurance to cover the costs of vehicle repair and hospital expenses in the event of an accident.
This is mandatory in most states provided you have an employee. It will pay for any employee-related costs arising from an injury sustained while working, from medical bills to lost income during recovery.
Do you really need all these insurance coverages?
Although insurance may seem like an unnecessary cost, it will protect you and your business from expensive claims that may arise when an employee gets injured on the job, the goods you’re transporting get damaged or stolen, you make a late delivery that causes the client to incur losses, and many other incidents. Please consult your insurance broker for help creating a comprehensive insurance plan that covers all the risks that your business may face.
Get a Delivery Service Business Insurance Quote
At Brookhurst Insurance, our agents are experienced in Delivery Service Business Insurance insurance products. We would be happy to discuss customized plans for your delivery service business to be insured properly. This can give you some peace of mind to run normal day-to-day operations without the need to worry about accidents beyond your control. Request a quote online or call 818.465.7860 to speak with a delivery service business insurance agent today!