subject: Providing Insurance To A Delivery Service Carrier [print this page] If your business is new to the courier industry, you may be unaware of the insurance process, and what responsibilities that you should assume versus those which your courier will handle. For example, if you use a Houston courier service to transport a shipment for your business, you may wonder if you are responsible for the cost of insuring your carrier or their driver.
The simple answer is no, most likely you will not assume responsibility for this. The delivery company that you use should have sufficient insurance policies active that will cover them in all area of their business. First and foremost, they will have a policy that will covers their drivers and vehicles, similar to, but different from and more comprehensive than regular auto insurance. They will also have a comprehensive policy that will protect them from liability issues, in the event of loss or damage due to an accident. Other insurance policies will include theft and vandalism. They will likely own a policy that offers the most coverage possible, protecting them from whatever liability that they can.
Furthermore, a Houston courier service will have a great need to protect the cargo they are transporting for businesses. This is another liability that is of great concern, as businesses often ship goods that are very valuable and/or fragile. Special insurance for couriers is required for this, as it will cover damage and loss to goods in the event of an accident or inclement weather. While theft is relatively rare, it does happen on occasion, and the courier will need insurance to be prepared for this as well.
Finally, if you are a business who is using the services of a courier company, you should not have to concern yourself with insurance that covers the courier driver. Some a delivery company, however, will charge a fee that is part of their standard billing procedure that is itemized as an insurance cost. This fee is usually nominal, and necessary to help them cover the overhead costs of their comprehensive insurance policies. At no point, however, should your business be asked to obtain insurance directly to insure the courier driver or carrier. If you have any questions or concerns regarding your courier's insurance policies, call and speak to a representative. They should be able to give you detailed information and help calm any fears you have about the possible dangers of shipping.
by: Henry Davis
welcome to Insurances.net (https://www.insurances.net)
