Parcel delivery insurance
Collections, deliveries and doorstep handovers, on your own round or subcontracting for a network. We cover you if someone is hurt, or something of theirs is damaged.
Public Liability from €7.55 per month, with cover limits up to €6.5 million.
Business insurance, done differently.
Fully online business insurance in Ireland.
A few questions and you're covered.
No lock-in, no long contracts.
Excess from €0, up to €6.5 million of cover.
Why take out business insurance as a parcel delivery courier?
You're on other people's property all day. Driveways, hallways, loading bays, reception desks. Most rounds are fine. It only takes one that isn't.
Someone gets hurt. A parcel left in a doorway, a trolley across a footpath, and somebody trips.
You damage a client's property. A scuffed hall floor in a Dublin office block, a gate post clipped on a rural delivery in Cork.
A client won't take you on without it. Platforms, retailers and hauliers routinely ask for public liability before they'll give you work.
Public liability is the cover that answers those situations. It pays the third-party claim and your defence costs, up to the limit you choose.
What is Public Liability insurance?
If a client or a member of the public holds you responsible for injuring them or damaging their property, public liability insurance covers what you owe them, up to your cover limit.
What does it cover?
Injury or property damage caused to others in the course of your coaching work. You choose a cover limit of €1.25 million, €2.5 million or €6.5 million per claim. Optional covers can be added: Employers' Liability (€13 million per claim) if you have staff, and Third-party objects and sites for damage to equipment or premises of others in your care (up to €5,000 per claim).
Cover that fits your profession
You describe your activities fully at sign-up, and your cover matches what you actually do: parcel collections and deliveries, work on client premises and in loading bays, and driving your own routes or on contract for a platform or haulier.
Is it mandatory?
Public liability isn't required by law in Ireland. However, many clients, delivery platforms, landlords and local authorities require proof of cover before you can work with them. Cover starts from €7.55 per month.
Who needs it?
Any courier who works on other people's property: at homes and apartment blocks, in offices and reception areas, or at loading bays and depots. Whether you are a sole trader with one van or running a small delivery team.
What does our insurance cover for parcel delivery couriers?
Your cover is built from the activities you declare when you apply.
Cover limit: choose €1.25 million, €2.5 million or €6.5 million per claim, with twice that available per year.
Excess: depending on your turnover, an excess from €0 up to €2,500. The excess is the amount you pay yourself towards a claim.
Goods in your custody and care: included as standard for parcel delivery, up to €5,000 per claim and €10,000 per year.
Employers' Liability: available as an option if you take on staff, with a limit of €13 million per claim.
What's covered
Carrying and delivering goods: collections, drops, and handovers.
Travelling for business: a depot induction, a meeting with a new client, a run to pick up packaging. If you knock something over while you're there, you're covered.
The place you work from: your unit, garage, or office. If someone calls in to collect a parcel and trips on the step, you're covered.
Damage that would be covered by car insurance. Every vehicle needs its own motor policy, and this cover doesn't pay a claim that belongs to it.
Removals and house moves.
Transport of animals and livestock
Delivery by water, rail or air.
Cover and exclusions shown are indicative and non-contractual. Only the terms of your policy apply.
Claim examples for Parcel Delivery Couriers
A parcel left against a front door slipped onto the path. The customer tripped, fractured a wrist, claimed for treatment, and lost earnings.
A loaded trolley rolled into a glass partition in an office reception. The building manager claimed for the replacement panel and the make-good.
A pallet of consignments was dropped during hand-over and the goods inside were written off. The retailer claimed for the value of the stock in the courier's care.
A parcel left against a front door slipped onto the path. The customer tripped, fractured a wrist, claimed for treatment, and lost earnings.
A loaded trolley rolled into a glass partition in an office reception. The building manager claimed for the replacement panel and the make-good.
A pallet of consignments was dropped during hand-over and the goods inside were written off. The retailer claimed for the value of the stock in the courier's care.
Examples are for illustrative purposes only. Compensation depends on the exact circumstances of the claim. No rights can be derived from these examples.
Your business insurance with Insify SmartGuide
Taking out insurance can be quick. Making sure you have the right cover is another matter. With Insify SmartGuide, you don't sign a contract blindly. You ask all your questions, and get clear, immediate and personalised answers, before you take out a policy.
Are you covered if you accidentally damage a client's equipment while working?
What excess should you choose?
Are you protected in the event of a dispute with a client?
Insify SmartGuide guides you step by step to understand what's covered, what isn't, and why. In just a few clicks, you build insurance that's truly tailored to your business, with complete confidence. Try Insify SmartGuide. Understand your insurance before you need it.
How to choose the right insurance as a parcel delivery courier?
Criteria to compare:
The cover offered: check it matches the real shape of your round, including work on client premises, handling consignments that belong to someone else, and any subcontracted drops. Make sure every service you actually provide is declared.
The price: compare premiums, but an attractive premium can hide exclusions that matter to a courier.
The excess: know what stays at your own expense when a claim happens.
The exclusions: watch for undeclared services, work outside road transport, and anything your vehicle policy is expected to answer instead.
The service: you want an insurer you can reach who understands delivery work. At Insify, our online support team knows the specifics of your work.
Mistakes to avoid: a generic off-the-shelf policy tends to describe a business that stays in one place, which is the opposite of delivery work, and it is usually the declared-activities list that lets you down at claim time. To secure your business today, discover our Public Liability insurance.
More than 40,000 entrepreneurs trust us
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Answers to your questions about our insurance for parcel delivery couriers
Public liability cover starts from €7.55 per month with Insify. What you actually pay depends on the activities you declare, your turnover, the cover limit you choose and the excess you accept. A sole trader running one van on local drops sits at the lower end. A courier with staff, higher turnover and a €6.5 million limit sits higher. You see your own price before you buy, and there is no long-term commitment: you can cancel any day.
Public liability insurance isn't required by law for a self-employed courier in Ireland. In practice, however, most retailers, delivery platforms, hauliers and building managers will ask for proof of public liability cover before they let you deliver for them or work on their site, and public tenders normally specify a minimum cover limit. Having cover in place also means you are not personally exposed if someone claims against you after an accident on a delivery.
Partly, and the distinction matters. Damage to goods in your custody and care is included as standard for parcel delivery, up to €5,000 per claim and €10,000 per year. That is liability cover: it answers a claim from the person whose goods were damaged. It is not goods-in-transit or cargo insurance, which insures the consignment itself for its full value, and Insify does not sell that currently in Ireland. If you carry high-value consignments, check whether your contract requires a separate goods-in-transit policy.
No. Damage that would fall under motor insurance is excluded, and you are required to hold motor insurance for every vehicle you use. Public liability answers claims arising from your work, such as injury to a member of the public or damage to a client's property. Your motor policy answers claims arising from driving. You need both, and they do not overlap.
Yes. Employers' Liability is available as an option, with a limit of €13 million per claim. It covers claims from your own staff for injury or illness caused by their work. It is not compulsory in Ireland, unlike the United Kingdom, but it is worth having as soon as anyone other than you is on a round, and larger contracts and public tenders often specify it.
You can choose €1.25 million, €2.5 million or €6.5 million per claim, with twice that amount available per year. Base the choice on what your contracts demand rather than on instinct: client agreements and public tenders frequently name a minimum, and the higher tiers exist because those requirements exist. If you are unsure, the middle tier is the default and you can review it when a contract asks for more.
The excess is the amount you pay yourself towards a claim. Depending on your turnover, it runs from €0 up to €2,500. If a claim settles at €3,000 and your excess is €250, you pay €250 and Insify covers €2,750. A higher excess lowers your premium and raises what you carry when something goes wrong, so match it to what you could absorb without difficulty rather than to the cheapest monthly figure.
List every service you actually provide, not just the main one. Road transport and the transfer of items or goods are covered, and so are business trips and the use of premises for the insured activity. Some adjacent work is not covered: moving services, transport by water, rail or air, and transport of animals or livestock all sit outside this policy. If part of your work falls into one of those, say so at the quote stage so it can be assessed rather than discovered at claim time.