Liability Insurance For Couriers

Every day, whether at work, in the car, or in your other activities, you are doing something for which you could be held responsible. That's why it's possible to protect yourself in advance by obtaining liability insurance.

What is liability insurance for?

Liability courier insurance, as the name implies, is used to protect you if you take actions that may incur your civil liability. This type of insurance protects you from the financial consequences that arise from the actions you have taken. For example, if you cause damage to another person or their property and that person wants to be compensated, your liability courier insurance may come into play.

It will protect you then in two ways:

●       Helping you defend yourself by paying your legal fees and other court fees if you are sued; and if you are held liable, by compensating you for the person who has suffered the consequences of your actions.

●       Liability insurance can first cover your liability for the improper performance of a contract, for example if you accidentally break a window in the performance of a window cleaning contract. It is called "professional liability insurance".

It can also cover your responsibility for actions you take in everyday life, for example if you accidentally hurt a passerby with your lawn mower. It is called "general liability insurance" or "personal insurance". It is your courier insurance policy that indicates the situations for which you are protected. In addition, be aware that a general liability insurance is usually found in your home insurance and that there is necessarily one in your car insurance .

What you must declare to the insurer

Before entering into your liability insurance policy, you must declare to the insurer all relevant information you hold. You must also answer the insurer's questions to the best of your knowledge and in all honesty. This will allow him to properly assess the risk you represented.

Depending on the type of insurance, and as an example, you must declare:

●       the professional activities you perform. For example, you have a shed business;

●       the possibilities that someone will pursue you. For example, the number of suppliers you are dealing with;

●       past events that may impact insurance. For example, having been prosecuted several times in recent years.

Your statement will have an important influence on:

●       the amount of premiums you will pay and

●       the insurer's decision to protect you against risk or not.

False statements

If you make a false declaration to your insurer when you conclude your liability insurance contract, or if you voluntarily avoid declaring something, the insurer may request that your insurance contract be canceled. On the other hand, to obtain the cancellation of the contract, the insurer must prove one of the two following elements:

●       that you have been "bad faith" in hiding information voluntarily. For example, you have not voluntarily mentioned to him that you have been repeatedly prosecuted in recent years; or

●       he would have refused to assure you if you had given him complete and true information.

●       If the insurer succeeds in proving one of these two elements, they can refuse to defend themselves in court and pay for the damages you have caused.

If the insurer does not succeed, he will have to defend you and pay for the damage you have caused. However, he may reduce the amount he owes you by establishing the ratio between the premium you have already paid and the one you should have paid.

The beginning of protection

Your liability insurance usually begins to protect you as soon as the risk begins and the insurer agrees to insure you. This date is written into your insurance policy. It is also possible for the insurer to offer you temporary insurance (also known as a "cover note" or "interim contract"). This insurance is intended to protect you temporarily while waiting for the protection of your primary insurance.

Pay liability insurance

The amount of money you have to pay to your insurer to take out liability insurance is officially called "premiums". You must pay them at the time stipulated in the insurance contract.

If you do not pay one of your premiums, the insurer can:

●       remove the amount of this premium from the amounts owed to you, if you owe it;

●       take the necessary steps to pay the premium (formal notice and recourse to the courts, if necessary); or

●       send you a written notice to inform you that your insurance policy will end 15 days after receipt of the notice.

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