Public, Product and Employers liability insurance for Couriers

Novas offer comprehensive and low cost Public, Product and Employers Liability Insurance designed specifically for couriers helping you to cover your liability insurance needs. Running a business is hectic enough, however, Novas Insurance allows you to access and purchase your company liability insurance at the right level of cover quickly and easily, whilst putting your mind at rest.

Here at Novas we are 100% online, this means you do not have to make changes during business hours when we know you are working hard, not only that but as we are online we do not have expensive broker or call center costs meaning not only is Novas Insurance easier, it saves you money!

What our Public Liability insurance covers

What can we cover?

If you are a Courier contractor, parcel and mail delivery contractor, or light haulier contractor in need of low cost self employed Public and Product liability insurance and low cost business employers liability insurance then our product is the perfect fit for your business.

Our low cost Public, Product and Employers liability insurance product is specially designed for Courier contractors, parcel and mail delivery contractors and Light Hauliers and has a number of great benefits that will cover you for;

  • Indemnity to principles and others
  • Single or Multiple vehicle coverage
  • Employers liability up to £10m
  • Public and products liability up to £5m

I purchased my public and employers liability for my growing business, price was the cheapest I found and I liked the fact I received a price before having to complete the process.

Adam Evans, Bristol

Public Liability Insurance for Couriers

What is Public Liability Insurance?

Whilst in many instances your business motor insurance policy will cover damage or injury to third parties whilst using the vehicle, there are many instances where your business will bring you into contact with the public outside the everyday use of the vehicle. For instance, whilst loading or unloading, making a delivery to premises and access by the public to your business premises.

In such circumstances, Public Liability cover will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities. For example

  1. Bodily injury
  2. Damage to material property
  3. Trespass nuisance or obstruction
  4. Personal and advertising injury offences committed

Your Novas Public Liability policy will protect you against the costs of compensation to be paid out as well as the legal expenses incurred during the claims process.

When is public liability useful?

You will be covered under the following cases:

  1. A member of the public suffers injury after tripping over a box at the kerbside whilst you are unloading
  2. You cause damage to an office foyer carpet whilst delivering goods using a pallet truck

We will give you a quote in seconds using our quick quote feature and you can purchase in under 10 minutes:

Start a quote

Employers Liability for Couriers

What is employers liability insurance?

If you are unsure whether you are required to carry Employers’ Liability cover you should seek professional advice. Further information can be found at http://www.hse.gov.uk/pubns/hse40.pdf.

If you are an employer, you are legally obliged to have employers’ liability insurance. You can be fined up to £2,500 for every day you do not have appropriate insurance.

Employers’ liability insurance covers the cost of compensation and any associated legal fees.

Is it required as a contractor?

Some of the larger networks such as DHL, TNT and Parcelforce may require you to have this cover in place before you can commence work. You should seek advice on whether you need this cover with your employer.

How much employers liability cover do I need?

Under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969 you are required to have a minimum indemnity limit of £5million, however at Novas Insurance we understand how important your employees are and we cover you for up to £10million as standard.

We will give you a quote in seconds using our quick quote feature and you can purchase in under 10 minutes:

Start a quote
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