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Transport insurance

Join over 5,148 UK transport and logistics professionals like you. Compare tailored insurance from trusted brands.

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Rated 4.7/5

Based on 39,376 reviews

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For 80% of settled claims

What's on this page

Why is logistics insurance important?

From damaged goods and deliveries to a third party injury or employee claim, accidents in the transport sector can be expensive to fix. If a crisis hit and you were taken to court, would you have the finances ready to cover it? A logistics insurance policy is designed to work as a backstop, supporting you back to business.

  • rated 4.7/5 based on 39K+ public liability customer reviews
  • optional personal accident cover for your own injuries, or anyone on the policy
  • insurance for transportation business risks, from tools to injuries and damage
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What does transport and logistics insurance cover?

We’ll usually start with public liability cover, designed to protect transport companies against claims for third party injuries and property damage. From there, you can add cover for your equipment and tools, as well as legal expenses, depending on your business needs. Employers’ liability insurance is almost always a legal requirement for employers, so we’ll help you find options for that, too.

Public liability insurance for transport and logistics

In case you or your employee injure someone or damage their property.

What’s typically covered by public liability insurance?

Claims against your business for:

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

For example:

  • a passer-by trips over a pallet of goods you’ve left by the side of the road, breaking their knee
  • during a delivery you accidentally damage your client’s warehouse doors, and they claim for repair costs

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

Read more about public liability insurance

Employers’ liability insurance

In case an employee gets sick or injured while 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 logistics 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 falls from the back of your HGV, breaking their leg
  • your office manager injures her hand while trying to open a faulty window latch in your business unit

Business and office equipment insurance

In case things like laptops or office filing cabinets 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 transport company
  • operational equipment like your laptop, rather than the trade tools you take out and about

For example:

  • your work laptop is stolen during an overnight break-in at your home office
  • the printer, photocopier, and laptops in your business premises are damaged during a flood, and need replacing

Read more about business and office equipment insurance

Tools insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tools insurance?

  • loss, damage, or theft of your hand tools, power tools, and specialist equipment

For example:

  • your tools are damaged in a flood at your business unit
  • you park for a meeting with a client at a motorway services and your tools are stolen from your car

What you’ll need additional cover for

  • larger plant items you use to carry out your work – you’ll need to add specific plant cover for these

Read more about tools insurance

Legal expenses insurance

In case you’re faced with legal costs in connection with your transport company.

What’s typically covered by legal expenses insurance?

  • legal costs attributed to your logistics and/or transport 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 professional

For example:

  • you need to pay for legal expenses when a client disputes their contract with you
  • an employee raises a discrimination claim against you, and you need to recover legal costs

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

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:

  • you fall from a height while visiting a client’s premises, breaking your leg and fracturing three ribs
  • your business partner breaks their knee while running at the weekend, and needs minor surgery

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does transportation business insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £6.56 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.

Example Transport insurance quotes, real prices

£8.51 /month

£65.11 /month

Self-employed heavy goods driver taking on national contracts

  • 2-3 years' experience
  • Sole trader
  • No employees
  • Based in Sheffield

Public liability

£1,000,000


Employers’ liability

Not included


Contents & business equipment

Not included

£84.24 /month

£748.76 /month

Heavy good transportation business with one employee

  • 5+ years' experience
  • Limited company
  • 1 employee
  • Based in Birmingham

Public liability

£5,000,000


Employers’ liability

£10,000,000


Contents & business equipment

£5,000

How we work out example quotes These examples are real quotes from our online system (created 16/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo excess
Tools£60£500
Stock£100£500
Business and office equipment£50£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

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    Only pay for what you need

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    Choose the best fit for you

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does transport insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider courier insurance or taxi driver insurance?

Do I need cover for other types of work?

If you provide other services, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

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0333 043 8527

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Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£28 million in claims paid out in 2021

Paying 80% of settled claims within 24 hours in 2021

Example claim

Having logistics insurance through Simply Business has saved UK transport companies thousands of pounds when the unexpected happened.

Kelly saved more than £5,500

While working with a client, Kelly (not her real name) received a solicitor’s letter, detailing specific contract allegations. The optional legal expenses protection in her transportation business insurance policy covered Kelly’s solicitor’s fees, as well as other associated legal costs.

Insurance payout

£5,596.80

Covering the cost of legal expenses


Kelly’s costs

£100

The excess amount stated in Kelly’s policy terms

Chosen by 800,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 800,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Transport insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about transport and logistics insurance. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

  • If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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