If you’re working self-employed courier driver jobs, you’re no doubt reaping many of the rewards and benefits of working for yourself. You get to choose your own hours, pick which clients and workloads you take and basically be your own boss.
If you’re an independent and self-motivated person who loves the logistics industry, this is most definitely the right career path for you. However, this freedom and autonomy comes with a price tag: if something negative or unforeseen happens, you can’t just hand it over to a supervisor because you ARE the supervisor. You have to deal with it yourself.
But you shouldn’t let this dissuade you from a career doing self-employed courier driver jobs in the slightest. It’s easy to protect yourself once you know where to start, so the first step you should take is investing in some insurance specific to those in the logistics industry who work for themselves.
Ready to learn all about this type of protection? All you have to do is continue reading.
The Basics
If you work doing self-employed courier driver jobs, you’re essentially considered a small business – and all businesses need to be effectively protected to thrive. Investing in comprehensive insurance will ensure you are covered in the case of any kind of nasty unexpected occurrences, including damages to vehicles, people, animals or property (both your own and others’), theft, fire and more.
Skimping and Scrimping Isn’t Worth It
The thought of skipping insurance altogether may seem tempting – because you’re a safe, responsible driver and you have faith in your own abilities, so why would you bother throwing money away on something you might not ever need? It may be absolutely true that you’re careful and skilled enough so that nothing will ever happen, however, you can’t account for other peoples’ actions, nor can you foresee the future. Unexpected accidents happen all the time, and many are out of our control. This means that even if you’re doing everything safely and exactly right, you can’t rule out the possibility that something damaging could happen.
Another point to remember is that the goods you are transporting may be very expensive and sensitive, especially if you’re moving things like medical supplies or certain retail or commercial products. If something happens to your load in transit that makes it unfit for delivery, you could be stuck with a hefty bill if you don’t have the appropriate insurance.
When you work for yourself, every pound counts, which is why it can seem so tempting to avoid purchasing an insurance policy. However, it’s important to remember that it isn’t worth the risk. One mishap (even if it’s not yours) could significantly set your business back financially… and you don’t want to be paying out of pocket, whether it’s your fault or not.
If you make a living (or plan to) doing self-employed courier driver jobs, eliminate the worry and focus on your daily tasks instead by making sure you invest in a proper insurance policy. After all, it’s far better to be safe, sound and secure than sorry.
Norman Dulwich is a Correspondent for Courier Exchange, the leading online trade network for the road transport industry. Connecting logistics professionals across the UK and Europe through their website, Courier Exchange provides services for matching drivers with self-employed courier driver jobs, and is now the fastest growing Freight Exchange in the UK.
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