Haulier insurance

Public liability insurance for hauliers’

In case someone is injured or their property gets damaged, because of your haulage business.

What’s typically covered by public liability insurance?

Claims against your business for:

• damage to someone’s property, caused by your haulage business
• injuries caused by your business activities
• accidental damage or injury caused by your employees, if you have any

For example:

• a pedestrian trips over a box of goods your employee has left on the ground next to your vehicle, and breaks their wrist
• you damage a client’s laptop by knocking it off a desk while carrying a delivery through their premises
• one of your employees drops a heavy item on a customer’s foot, breaking three toes

What you’ll need additional cover for

• road accidents, and claims related to your van or vehicle – a separate motor contingent liability policy is available
• goods in transit – jump to our insurance for transport and logistics to find out more about how to get cover for your business if you are transporting goods

Read more about public liability insurance

Employers’ liability insurance

In case an employee gets sick or injured because of working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an employee, including a contractor or casual labourer, suing you after falling ill because of working for your haulage business, or
• making a claim for an injury they’ve had while working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your employee trips down the steps of your van and breaks their elbow
• a contractor working for you traps their foot under the tail lift, causing a serious injury

Business and office equipment insurance

In case things like your laptop or phone are lost, stolen, or damaged.

What’s typically covered by business and office equipment insurance?

• theft, flood, fire, or accidental damage to the equipment you use to run your haulage business
• operational equipment like your laptop, rather than the trade tools you take out and about

For example:

• there’s a break-in at your site office and your work laptops, printers, and phones are stolen
• while getting out of your vehicle you drop your laptop from a height, causing extensive damage

Read more about business and office equipment insurance

Legal expenses insurance

In case you’re faced with legal costs connected with your haulage business.

What’s typically covered by legal expenses insurance?

• legal costs attributed to your haulage business
• property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
• tax and compliance disputes and investigations you need help with
• includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis support to help you protect your reputation as a trusted trade professional

For example:

• a client disputes the contract you have in place, for an order they’d placed to be delivered by a specific date, but which arrived late – you need to pay for legal representation
• you need support with the legal costs when an employee sues you for unfair dismissal

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at or away from work.

What’s typically covered by personal accident insurance?

• accidental injury or death at work or elsewhere, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• while on holiday with your family you trip and fall on some rocks, spraining your wrist and preventing you from working the following week
• an employee who you’ve covered is playing squash at the weekend and hits their head on the wall, causing concussion and a brief stay in hospital

Read more about personal accident insurance