Is Specialized Van Insurance for Couriers Necessary?

Couriers spend a lot of time on the road, and often in heavy traffic. Which
is why they need specialized van insurance for couriers. The increased
possibility of an accident makes it necessary to have good coverage if you are
going to stay in business for a long time. With a good policy from Trucking
Insurance USA, you can be sure you are covered completely, along with all of
the contents you carry.

The Primary Coverage Needed

Couriers should be properly covered with the right kind of insurance.
Without it, the costs of an accident can easily put you out of business. The
following are types of coverage that we can help you obtain:

Liability – this coverage protects you financially against
third party claims. Bodily Injury Liability covers the medical bills for others
involved in the accident; and property damage covers other vehicles and
property damaged in the accident.

Collision – covers the damage to your van in an accident,
regardless of who is responsible for the accident. The van is also covered if
it rolls over or strikes an object, such as a fire hydrant or mailbox.

Comprehensive – pays for damage done to your vehicle in
non-collision situations. It includes incidents such as falling trees, theft,
vandalism, or wind damage.

Medical – covers payments for any medical needs of a driver
or passengers who are in the van at the time of the accident. The payments do
not depend on who is at fault for the accident, but this feature may not be
available everywhere.

Uninsured/Underinsured Motorist – covers your vehicle in
the event of an accident with a driver who either is not insured, or does not
have sufficient coverage. If you buy Bodily Injury coverage as part of your
Uninsured Motorist coverage, you will also be eligible to get Collision
Deductible Waiver (CDW), which means you will not need to pay the deductible
for an accident caused by an uninsured driver.

Other Necessary Van Insurance for Couriers

Cargo Insurance – coverage is needed for your cargo. In the
event your cargo is stolen, damaged, or lost, your customers will expect
payment for it. Given that your cargo could be expensive, this coverage can
help you avoid paying for the loss yourself.

Umbrella – covers expenses that exceed your other liability

Rental and Towing – if your courier van needs to be
repaired, or is destroyed, it is much more convenient to have the insurance
company pay for your rental vehicle while you wait for repairs or while getting
a replacement van.

Accessories – this covers any specialized equipment you or
your drivers carry in the van to do their job. Coverage can include
communications devices, GPS units, and more.

Whatever your specialty is, couriers must have special licensing and
insurance coverage for their vehicles. Let our brokers at Trucking Insurance
USA show you how we can provide you with van insurance for couriers to protect
your business.

So, What’s next?

We’d be happy to show you our personal touch. We will walk you
through the process of obtaining courier insurance and find you
affordable options that address all of your needs. We can also provide you with
completely risk- and hassle-free quotes.

Trucking Insurance USA specializes in a wide variety of coverage’s including:

  • Bobtail
  • Collision
  • Comprehensive
  • Contingent Liability
  • Environmental and Hazmat
  • Excess Liability
  • Hired Auto Liability
  • Medical Payments
  • Motor Truck Cargo
  • Physical Damage
  • Motor Trucking General Liability
  • Non-Owned Auto Liability
  • Non-Trucking Liability (NTL)
  • Occupational Accident (Occ-Acc)
  • Permanently Attached Equipment
  • Motor Truck Cargo Refrigeration Breakdown
  • Primary Liability
  • Rental with Downtime
  • Trailer Interchange
  • Umbrella Liability
  • Uninsured and Underinsured Motorist
  • Workers’ Compensation
  • We are the very best at what we do,
    because we understand what you do. Let us answer your questions and find you a
    cost effective policy that will keep your business safe and save you money at
    the same time.


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