Courier Service Insurance is a specialty insurance product that will cover an individual or a small business delivering materials or products for a fee. If you are self employed, delivering newspapers or mail on a rural route, for example, it’s likely that you’ll need Courier Insurance. While you probably already have an auto insurance policy on the car you drive for deliveries, most auto insurance policies exclude coverage for delivery services. A policy specifically designed to cover your courier service business will ensure that you’re not personally liable if the materials you’re delivering are damaged or stolen. Even couriers who are under contract to one company should check with their employer about the amount and type of coverage they need. Your employer might provide Cargo coverage for the packages you’re delivering, but could still require you to carry higher limits of liability on your car or truck. A larger company with multiple drivers may purchase a policy that covers its