subject: Am I Supposed To Buy Insurance For My Courier Driver? [print this page] When you're shipping with a Houston courier service, you might naturally wonder if there are any hidden costs that you might be responsible for. Everyone knows that shipping can get expensive, so their minds naturally try to figure out the extras that they might be expected to pay for. One that many people feel might end up being their responsibility is insurance, and many people shipping with couriers look for clarification in terms of exactly whose responsibility insurance is.
Insurance to begin with is always going to be in the court of the courier company that you are working with. Couriers are required by law to be adequately insured, and in their particular case, this means carrying a few different types of insurance, not just the regular vehicle insurance that you might expect. In addition to that, it also requires that they carry insurance which is covering the products and packages that they carry on the behalf of their clients.
This is called courier insurance. It actually protects against almost anything that could happen to your packages while they are being shipped. The fact that it is so comprehensive is one reason that you usually don't have to worry about buying any additional insurance for your courier driver. In most cases, it is also going to provide a higher enough coverage limits so that you again, don't need to worry about purchasing any outside insurance yourself.
Damage from all quarters is usually very significantly protected against. Courier negligence, like dropping packages, will be included, as will any damage that might happen in a car accident. Other things which may be covered include water damage, smoke damage, weather damage, and damage from vandalism.
There are situations which occur at times which also cause courier packages to become lost. This includes when the courier loses the package at one of their facilities. Many times packages are either transferred between vehicles or stored for short periods of time before the delivery is completed. When this happens, sometimes a package isn't logged correctly into a system, leading it to become lost. Even more rare, but still possible, is a situation where a package is delivered to the wrong address. In each of these situations, courier insurance will provide coverage to the party that is shipping the goods. This is why in almost every case you never need to worry about actually buying insurance for a courier.
by: Henry Davis
welcome to Insurances.net (https://www.insurances.net)
