Pipe bombs sent to political figures through the mail, as well as a bomb in a package at a FedEx ground distribution service center in TX in March of 2018 highlight the extent of specialty perils messenger facilities face.
RELATED: How to respond to a bomb threat
Insurance for the Courier and Messenger Service
Generally, the courier and messenger industries confront significant risks due to the constant truck routes in and around populated cities and towns across the nation. Besides these auto exposures, some couriers utilize bikes, skates and other modes on sidewalks. This exposes the company to commercial general liability exposure.
In regard to coverage, the insurer will prudently and warily consider each related risk. The individual courier or messenger facility’s insurance premium and deductible is dependent on:
- how big of an operation it runs
- the region it services
- the kind of vehicles used
Older trucks typically are required to undergo compulsory inspections.
Related specialty coverage can include:
- Auto Liability
- Optional Hired and Non-Owned Auto Coverage
- Cargo-Reconsruction-Face Value Insurance
- Property and Warehouse Coverage
- General Liability, including premises liability, products liability, completed operations coverage
- Excess Liability
- Workers’ Compensation
- Employment Liability
For more on specialized coverage for the courier/messenger service, contact an experienced independent insurance agency.
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Summary: The risks facing FedEx and other courier services are significant. This is the reason why significant related insurance coverage exists.