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If you’re in the goods-in-transport trade, haulier insurance can provide a reassurance backstop. For example, if your business causes an accident and someone gets injured, or you’re served with an expensive damages claim, would you have the funds ready to pay out and move on? Start with our hauliers’ liability insurance options – public and employers’ liability – and add any optional protection you need.
We’ll start with public liability insurance, for injuries or property damage blamed on your business – for example, if a heavy item falls from your vehicle and injures a passer-by. From there, you can add insurance for your employees – employers’ liability cover – plus personal accident cover in case you or someone you’ve covered gets signed off work.
Public liability insurance for hauliers'
In case someone is injured or their property gets damaged, because of your haulage business.
Employers’ liability insurance
In case an employee gets sick or injured because of working for you.
Business and office equipment insurance
In case things like your laptop or phone are lost, stolen, or damaged.
Legal expenses insurance
In case you’re faced with legal costs connected with your haulage business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or away from work.
In case someone is injured or their property gets damaged, because of your haulage business.
Claims against your business for:
For example:
What you’ll need additional cover for
Read more about public liability insurance
In case an employee gets sick or injured because of working for you.
Claims against your business for:
**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:
In case things like your laptop or phone are lost, stolen, or damaged.
For example:
Read more about business and office equipment insurance
In case you’re faced with legal costs connected with your haulage business.
For example:
Read more about legal expenses insurance
In case anyone you’ve covered is accidentally injured, at or away from work.
For example:
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
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.
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
£32.09 /month
£285.28 /month
A medium-sized haulage business working across mainland UK with some employees only doing office work
Public liability
£1,000,000
Employers’ liability
£10,000,000
Contents & business equipment
Not included
£62.94 /month
£559.47 /month
A small haulage business operating in the local area
Public liability
£5,000,000
Employers’ liability
£10,000,000
Contents & business equipment
£15,000
How we work out example quotes These examples are real quotes from our online system (created 19/01/2021). 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.
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 cover | Lowest excess | Highest excess |
---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No 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.
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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?
Does haulier insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
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.
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 driver - heavy goods vehicle or furniture removal insurance?
If you provide other services, make sure you’re covered:
Other types of insurance
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.
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
Call our team
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 above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
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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 haulage contractor insurance. You can also check out our business insurance FAQs.
A Simply Business hauliers insurance policy is built for commercial goods in transit operators. It usually includes public liability cover for third party accidents, injuries, and property damage, plus employers’ liability cover for businesses with employees. This includes casual labourers, contractors, and apprentices. Our cover doesn’t currently apply to freight forwarding, as this trade carries its own specific risk profile.
Insurance for haulage contractors usually starts with public liability insurance, but this depends on your business, your clients, and what kind of contracts you take on or have in place. Many sites, associations, and clients, for example, will only work with your business if you have a certain level of cover in place, particularly for public liability.
Employers’ liability insurance is likely to be a legal requirement if your haulier business employs any staff. It can pay compensation claims if an employee or former employee claims for injury or illness that’s been caused by their work.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you work in haulage, you may also do consulting work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.
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.
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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