Public Liability Cover
Covers legal fees and compensation costs if a member of the public – like a customer or a passerby – is accidentally injured, or if their property is damaged because of your business activities.
Example for fast food couriers: You drop off a piping hot delivery at a customer's home, but a liquid leak causes a slick spot on their hallway hardwood flooring, leaving a permanent stain and resulting in a property damage claim.
Goods in Transit Insurance
Protects the cargo you are paid to move. If the meals, ingredients, or stock you are transporting are damaged, ruined, or stolen while in your vehicle, this cover helps pick up the tab.
Example for fast food couriers: Another motorist suddenly brakes in front of you, causing your thermal storage units to flip over, destroying a large catering order before it can be delivered.
Tools and Materials Cover
If your expensive insulated delivery backpacks are stolen from your vehicle, or your smartphone and mobile card readers are dropped and smashed mid-shift, this cover funds rapid replacements so you can log back in and keep earning.
Example for fast food couriers: While you are walking a meal up to a third-floor flat, someone clips your bike stealing your backup thermal catering crates and your portable digital payment machine.
Employers’ Liability Insurance
If you hire anyone to help scale your delivery operations – even a part-time weekend driver, an apprentice, or a temporary helper – you are legally required to hold this cover in the UK. Failing to put it in place can result in a severe statutory fine of £2,500 for every single day you operate uninsured. If you are a sole trader handling 100% of the deliveries entirely on your own, you can safely skip this cover.
