Business moves at such a rapid pace that transporting items from place to place needs to be facilitated in a variety of different ways. The postal system is not always the best option – hence the high number of small courier businesses and contractors that are flourishing in Florida. But do these types of business operations have proper Florida commercial insurance in place?
There are some particular risks you may need to factor into your insurance needs when you run a courier service. It’s important to keep in mind that the things you will need to cover will largely depend on those that are or are not covered by your clients.
If you’re a contractor, then the chances are you’re using your own vehicle, and therefore, you likely require commercial auto insurance. As a courier, you travel many miles each day, so increased levels of liability coverage may be required;
If you’re not covered by workers’ compensation, you may also need your own accident and sickness policy in place to protect your income if sickness or injury prevents you from working.
“Goods in transit” is another area that needs attention if the company you work for doesn’t cover the goods that you transport in your vehicle.
Insurance requirements for couriers can be complicated. We recommend speaking with a local agent who specializes in Florida commercial insurance – that way you’ll get the help you need to ensure that you have the right type and levels of protection in place.