As a contractor, you are not an employee of a parcel delivery company and don’t have access to their benefits. However, this doesn’t change the fact that you are still susceptible to injury on a daily basis. For example, if you fall while carrying a package, you will need your own workers’ compensation coverage to help cover costs associated with on-the-job injuries. Another issue is if you are driving a vehicle owned by the parcel delivery company and you get into an accident while running a personal errand. Most companies take out a policy for contractors specifically to protect their business from auto claims where you are involved. It’s important to know what’s required by the company hiring you when selecting the types of coverage needed while avoiding just getting the bare minimum.

Are you an independent contractor looking for parcel delivery contractor insurance? Contact us to discuss your needs and coverage options.