subject: Are Deliveries Shipped With Couriers Insured? [print this page] The importance of making sure that all of your goods are adequately insured is something that cannot be overstated to the new business owner. That is why when a business owner is utilizing Phoenix delivery services to move their goods for them, one of their highest concerns is often going to be making sure that everything that the courier is shipping is insured. The good news is that in almost every case, the items should be insured from the moment the courier driver lays hands on them through the courier company's own insurance policy.
Couriers all carry something called courier insurance. This is a special type of insurance policy which is offered through insurance issuers to couriers in particular. It is separate and distinct from the other types of insurance that they might carry like the regular insurance on their vehicles. Instead, these policies are designed to cover the value of the packages that they are carrying in their vehicles.
Courier insurance is typically very comprehensive. Usually it automatically covers almost every eventuality that might damage a package. If they are given the option though, most courier companies sign on for every additional form of coverage that they can in order to provide maximum protection to their company. If you're unclear about what kinds of situations your courier's policy protects against, just ask them to outline what kind of insurance they have, as most will be happy to do so.
The basic events like theft and damage in a vehicle accident are always going to be part of courier insurance. Sometimes they will have additional bonding to protect against theft that is due to employee action. In addition, courier insurance should protect against things like vandalism, damage due to weather, water damage from sources other than weather, and damage due to employee negligence such as when a package is dropped.
Besides asking your courier what kinds of coverage they have available to you, you might also want to ask them what amounts of insurance they have. This is because there is going to be a maximum coverage available on any kind of shipment based on the insurance that they have with their provider. If you're shipping goods which are worth much more than this you might have to look into finding additional insurance solutions of your own to supplement those in place by the courier company. Sometimes you may also be able to extend their coverage through their insurance carrier.
by: Harry Silverman
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