subject: Is Insurance For My Courier Driver Required? [print this page] Insurance is something which always needs to be clearly sorted out before you ever let a courier driver take your shipment away. However, there is often some ambiguity about insurance in the courier world, especially if you're not used to shipping with a certain company. Therefore, it is recommended that you find out exactly what type of coverage your Houston courier service has in place before you ever let your packages out of the door.
In almost every case, you won't need to buy insurance for your courier. However, what you never want to have happen is for you to not buy insurance when you're shipping with the one courier in the city that didn't have adequate insurance to cover your shipment and then have them get into an accident. Courier companies will have no problem explaining their exact coverage to you, and should be happy to do so. They typically receive questions of that type regularly.
The insurance that the couriers carry will cover almost anything that might happen to your package. For instance, all the physical damage sources, such as traffic collisions or environmental damage, are going to be well insured. Most policies will also provide coverage in case the courier does something which damages your package, such as slamming it in a door or having it fall off the back of a truck. This sort of thing doesn't happen very often, but when it does, the good news is that the insurance should cover it.
Packages which go missing are also going to be insured against. Couriers will have their employees bonded which means that if they are in any way connected to the theft of a package the insurance will cover it. Outside theft is also covered, as is the things which can go wrong that simply cause a package to go missing.
The only time you may need to consider buying some insurance for your courier is if you are shipping something which is extremely valuable. All insurance policies have several defining characteristics, one of which is the amount of money that the insurance will cover in the event of a loss. If you are shipping something which is far more valuable than this amount in the courier's insurance, then you may need to contact your own insurance company about adding on another policy to the shipment. People who deal in goods in this high value spectrum often have fairly comprehensive insurance on their goods already.
by: Harry Silverman
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