Insurance is a critical tool for all that require it. Regardless of in the industry you work in, you will need insurance to ensure that you are covered for every eventuality. An industry that does require insurance is the delivery industry because of the way in which drivers spend hours on the road and handle parcels that are expected to be delivered in pristine condition, so why should delivery drivers have courier insurance?
Below are just some of the reasons why delivery drivers require insurance.
Peace of Mind
There is no doubt that delivery drivers have a pressured job. While many may see it as being behind the wheel of a vehicle all day there is a lot more to it than that. Delivery drivers are expected to work to strict time schedules and this means that they need to get to specific addresses by an allotted time. This pressure can often mean that incorrect decisions are made that could lead to injury or damage to parcels and that is why insurance is vital.
Missed delivery deadlines
Customers expect their parcels to be delivered within the timeframe that they were given when they purchased their goods. The goods could be time critical and so it is important that they get there on time. There could be animals or perishable goods in transit that simply do not make it to their destination on time and that can lead to losses for the customer for which the delivery driver will be liable. Insurance will be able to cover these kinds of claims
The one thing that must not be forgotten are the goods that the delivery driver is handling. They should be carefully loaded into the vehicle but sharp braking and excessive speeds around corners are just two of the things that could cause the goods to become damage and that’s why goods in transit insurance is a must. A delivery driver may also drop the items while carrying them to the customer and if the item happens to be fragile then the customer will want to make a claim against the delivery driver.
It is extremely easy for delivery drivers to cause injury to others. This could be while they are unloading their vehicle or simply driving along the road. If this is the case, then it is quite possible that the individual could put a claim in against the delivery driver which will require insurance to cover all costs.
Damage to Property
Delivery drivers will often have to park on the property of customers such as their driveways, gardens or even in a communal car park. This instantly puts the delivery driver at risk of damaging property such as doors, damage to walls while carrying goods and even damaging belongings within a property. There are risks every and so insurance is there to assist when required.
It is clear to see exactly why delivery drivers should have the right insurance in place. Their job is full of risks and so insurance is an extremely important investment.