As a haulage contractor or the owner of a haulage business, you’re an expert in getting things from A to B. But if anything goes wrong, you need a good haulier insurance policy to protect you.
For instance, if someone makes a compensation claim against you for injury or damage, hauliers’ liability insurance can help your business get back on its feet. Meanwhile personal accident insurance can pay out if you’re seriously injured, whether inside or outside work.
Add other covers to create a haulier insurance policy that suits you.
Please note that we don’t offer vehicle insurance, which covers you for road traffic accidents resulting in damage to other vehicles and injury to passengers. You need to purchase this insurance separately.
Start your quoteYou should pick your insurance covers based on your specific business and the risks you want to cover, but these are some of the insurance types likely to be useful:
Public liability insurance protects your haulage company against compensation claims made by a member of the public for injury or damage to their property. This insurance can cover the compensation amount and the legal fees if you’re sued by a client, a supplier, or a passerby, for example. This does not include damage caused by road traffic accidents, which should be covered by your vehicle insurance.
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.
Personal accident insurance is a 24/7 cover that can pay out if you’re seriously injured or killed. Business equipment insurance can pay to repair or replace your business equipment if it’s lost, damaged or stolen. You can also add business buildings insurance, and business legal protection insurance to your haulier policy if you need it.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.