A courier or messenger moves parcels and documents from one area to the next. This service is increasingly in demand. Businesses need to move documents from one location to the next fast. They do not have time to wait for the mail.
For those that work as a courier or messenger, it is important to treat this job as a full business. That means having the right amount of commercial auto insurance. If you operate a vehicle as a part of your business, you need this type of coverage in place.
When Do You Need Commercial Auto Insurance?
A business using a vehicle for its operation needs to protect that investment. In the courier business, drivers might use it to transport packages to various places. Couriers and messengers typically spend most of their time on the road. Your business insurance should reflect that. There are several ways commercial auto insurance can help your business.
Protect the Asset Itself: At the heart of these policies is asset protection. It covers your vehicle from common threats. This includes fires, vandalism, and theft. Your policy will also usually cover the items you are transporting, up to a certain value. If the vehicle is in a significant accident, you have the ability to get repairs to get it back up and running again.
Minimize Liability Risks: Commercial auto insurance also includes liability insurance. This allows it to cover claims made against you and your drivers for losses caused to others. For example, a driver may damage another persons’ vehicle in an accident. The policy helps cover the other party’s losses.
You may also wish to include more comprehensive protection. If you transport high-valued goods, update your coverage for the contents of the vehicle. This is also important for vehicles with valuable equipment on board routinely.
Why You Need Protection
As a courier or messenger, every trip you take is an opportunity for something to happen. Accidents occur frequently. Without insurance coverage, you could face significant loss. Someone could sue your company for the damage you cause. Or, your vehicle may no longer function. This leads to the inability to operate your business.
Work with your business insurance agent at 512-989-6006 or 844-524-4744. Be sure you have the right type and value of commercial auto insurance in place. It can help to keep your business operational as you work to keep clients happy.
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