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What Type of Risk for the Courier Service?

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
  • More

For more on specialized coverage for the courier/messenger service, contact an experienced independent insurance agency.

Prime Insurance is a 3-generation family-run independent agency that has won the admiration of the industry. We’ve been presented with numerous awards and been appointed to conduct direct business with more than 40 of the leading companies - big names such as ACE, ASI, ASSURANT, CHUBB, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more.

PRIME Insurance provides all forms of NJ, NY, PA, TX and other state coverage, including  cheap auto insurance, low quote commercial umbrella insurance,  flood insurance, renters insurance,  homeowners insurance,  bonds,  workers comp,  life insurance and more. We invite you to experience the PRIME difference by visiting us on our online insurance website; emailing us at PRIME [at] primeins [dot] com or calling us at 732-400-5242!


Summary: The risks facing FedEx and other courier services are significant. This is the reason why significant related insurance coverage exists.




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