A delivery driver holds a stack of parcels and checks a clipboard while standing outside a van on a residential street.A delivery driver holds a stack of parcels and checks a clipboard while standing outside a van on a residential street.A delivery driver holds a stack of parcels and checks a clipboard while standing outside a van on a residential street.

Couriers' Public Liability

Protect your courier business against third-party injury and accidental property damage claims from just £6.07 a month*

  • Simple claims process
  • No hidden admin fees
  • Pay monthly at no extra cost
Get a quote
 

*£6.07 is the price for a Public Liability policy for a single courier with £1,000,000 worth of cover. It is the equivalent of £72.80 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 7th October 2025.

What is Public Liability Insurance?

As a courier, you spend your days on the move, delivering parcels, meeting deadlines, and navigating busy streets. But working around the public means accidents can happen.

Public Liability insurance protects you and your courier business if someone makes a claim against you for accidental injury or property damage while you're working. Whether a member of the public trips over a parcel you’re delivering, or their property is accidentally damaged, Public Liability insurance helps cover the cost of legal fees and compensation.

What does public liability insurance cover?

Public Liability insurance for couriers helps protect you if your work accidentally causes injury or damage to someone else. Below, we’ve outlined what’s typically covered and what’s not, so you know exactly where you stand.

What’s included?
  • Accidental injury to third parties - for example, if someone trips over a package or collides with your trolley while you're delivering.
  • Damage to property - such as scratching a customer's car or knocking over a shop display while collecting or delivering.
  • Legal costs and compensations - including defence costs if a claim is made against you.
  • Cover while working across UK and EU - if your work temporarily takes you abroad.
What’s not included?
  • The goods you're delivering - Public Liability Insurance doesn't cover loss, theft or damage to parcels, packages or other items in your care.
  • Injury to employees - you'll need Employers' Liability Insurance for this.
  • Damage to your own property or vehicle
  • Deliberate or criminal acts

We've made our policies as clear, easy to understand and as transparent as possible, you can download the documents here.

Download policy wording
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Want to check the details?

Call our friendly South Wales team to discuss what you need.

Call 020 3808 7099
 

How much does Public Liability Insurance for Couriers cost?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Prices start from just £6.07* a month*.

The cost of your cover depends on:

  • Your business activities
  • Where you work
  • Your level of risk
  • The amount of cover you choose (we offer limits of £1 million, £2 million, or £5 million)

You can also customise your cover to suit the size and nature of your courier work, whether you're a solo delivery driver or managing a small courier business.

What are the Insurance Requirements for Couriers and Delivery  Drivers?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Delivery drivers and couriers are legally required to have Hire & Reward, in addition to their standard vehicle insurance. Hire & Reward protects you for the commercial use of your vehicle.

As Admiral Business, we do not offer Hire and Reward at the moment. However, our parent company, Admiral Group, offers what you need:

Delivery insurance for car drivers

Commercial van insurance

Public Liability – A Must for Third-Party Protection
While not legally required, public liability insurance is essential if you're delivering to homes, offices, or worksites. It covers you if you accidentally injure someone or damage property during a drop-off.

A delivery driver in a hi-vis vest unloads cardboard boxes from a van, organising packages for drop-off on a residential street.A delivery driver in a hi-vis vest unloads cardboard boxes from a van, organising packages for drop-off on a residential street.A delivery driver in a hi-vis vest unloads cardboard boxes from a van, organising packages for drop-off on a residential street.

Insurance built around the needs of the UK’s small businesses

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Flexible cover

Adjust your cover at anytime, without admin fees. As your business grows or changes, you can easily update your cover to match your needs.

No hidden fees

Pay how it suits you, monthly or annually. Plus no cancellation fees.

Simple claims process

Submit a claim online or give us a call. We'll handle the hard part, so you can get back to work, knowing your business is in safe hands.

Top-rated customer support

No long phone queues. No confusing jargon. Our South Wales-based team is dedicated to supporting you and is ready to answer any questions.

Couriers' Public Liability FAQs