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| UPS 128314 (Photo credit: kenjonbro) |
When running a
transportation business you want to know that all aspects of your business is
covered. Being in the transport industry you want to know your building, staff
and vans are covered by your couriers insurance, but what about your personal
vehicle?
Chances are on a very busy
day you get a call to collect a package in a nearby area, all your vans are
already on the road so you hop into your own personal car or van to pick up the
parcel. Now you may not know this but if you have private cover in the event of
an accident while driving for work you are not covered, the safest thing you
can do is include your own personal vehicles to your business cover, this way
you can collect packages in your local area with ease whenever you want to.
The ability to cover your
own vehicle under the business policy can save you money in the long run. You
don't have a private cover that you need to pay for any more, you can even add
your spouse to your list of drivers, enabling you to completely cancel your
private policy and only have one premium to pay.
Of course this type of cover
protects so much more than your own personal vehicle, there is your building
which you can protect against fire, storm damage and theft. There are the
parcels which while in your possession are your responsibility and there are
your vans.
Over and above all of this
you need to have good liability cover. Public liability is essential, a
delivery person walking through your doors and injuring themselves can see you
slapped with a hefty fine. Remember that when someone lays a public liability
claim against you, you are legally responsible. This can be for loss of income,
mental distress and medical expenses.
You also need to ensure that
all your staff members are covered by employer's liability cover which is a
legal requirement here in the UK. A staff member that is injured on the job can
claim for loss of income, so besides abiding by the law it is in your financial
interest to ensure you have adequate employer's liability cover in place.
When selecting your drivers
always choose drivers with clean driving licenses, combine that with the
ability to add your private vehicle to your couriers insurance and you can save
yourself some money in the long run.
