Courier and messenger services operate in a high-frequency, high-exposure environment — multiple stops, tight deadlines, valuable packages, and constant urban driving. Standard commercial auto insurance doesn't always fit. Our agency provides courier-specific coverage that accounts for the unique risks of same-day delivery, medical courier, legal document transport, and expedited messenger services.
Same-day courier services, medical couriers, legal document delivery, pharmaceutical delivery, inter-office messenger services, on-demand delivery startups, and any business whose primary operation is transporting packages, documents, or specimens between locations.
At minimum: commercial auto liability, physical damage, and cargo/bailment coverage. Medical couriers need additional compliance coverage. If you use independent contractors, you need hired and non-owned auto. Most courier operations also need general liability and workers' comp.
Courier insurance typically costs $3,000–$7,000/year per vehicle, depending on delivery volume, cargo type, and operating area. Medical courier coverage costs more due to compliance requirements. We compare specialist carriers to find the best rates.
Medical courier contracts may require specialized liability, cargo, spoilage or contamination coverage depending on what is transported. HIPAA, OSHA, packaging and chain-of-custody responsibilities must be evaluated separately from insurance requirements. Send us the contract or client requirements and we'll match the coverage to what is actually being asked of you.
Get a free quote or call (321) 206-8035.