Courier business insurance averages $190 monthly, with individual coverage types ranging from $50 to $341 based on location.
Get matched with cheap courier business insurance below.
Updated: November 10, 2025
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Courier business insurance costs between $2,320 and $4,090 annually on average, varying by your coverage type, state and sub-industry.
Your courier insurance premiums vary based on your location, claims history, services you provide and your employee count.
Shop multiple business insurers, bundle coverage options, raise your deductibles and pay annually to reduce courier business insurance costs.
We found average business insurance costs for courier companies for commonly needed coverage are as follows:
| BOP | $289 | $3,464 |
| General Liability | $196 | $2,353 |
| Professional Liability (E&O) | $50 | $598 |
| Workers' Comp | $226 | $2,716 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
General liability coverage for courier businesses costs $170 monthly in Maine, $196 nationally and $228 monthly in New York.
| Alabama | $192 | $2,308 |
| Alaska | $173 | $2,079 |
| Arizona | $186 | $2,233 |
| Arkansas | $188 | $2,260 |
| California | $219 | $2,625 |
| Colorado | $195 | $2,337 |
| Connecticut | $213 | $2,561 |
| Delaware | $211 | $2,529 |
| Florida | $213 | $2,551 |
| Georgia | $199 | $2,394 |
| Hawaii | $202 | $2,429 |
| Idaho | $186 | $2,234 |
| Illinois | $216 | $2,587 |
| Indiana | $192 | $2,298 |
| Iowa | $187 | $2,244 |
| Kansas | $191 | $2,289 |
| Kentucky | $182 | $2,188 |
| Louisiana | $218 | $2,620 |
| Maine | $170 | $2,042 |
| Maryland | $187 | $2,248 |
| Massachusetts | $206 | $2,472 |
| Michigan | $186 | $2,232 |
| Minnesota | $184 | $2,210 |
| Mississippi | $197 | $2,367 |
| Missouri | $194 | $2,327 |
| Montana | $196 | $2,346 |
| Nebraska | $186 | $2,229 |
| Nevada | $223 | $2,672 |
| New Hampshire | $195 | $2,344 |
| New Jersey | $223 | $2,670 |
| New Mexico | $197 | $2,370 |
| New York | $228 | $2,741 |
| North Carolina | $170 | $2,042 |
| North Dakota | $171 | $2,049 |
| Ohio | $182 | $2,186 |
| Oklahoma | $183 | $2,197 |
| Oregon | $182 | $2,189 |
| Pennsylvania | $227 | $2,718 |
| Rhode Island | $216 | $2,589 |
| South Carolina | $202 | $2,427 |
| South Dakota | $184 | $2,203 |
| Tennessee | $192 | $2,298 |
| Texas | $198 | $2,377 |
| Utah | $187 | $2,243 |
| Vermont | $189 | $2,263 |
| Virginia | $179 | $2,146 |
| Washington | $223 | $2,680 |
| West Virginia | $206 | $2,472 |
| Wisconsin | $193 | $2,313 |
| Wyoming | $182 | $2,179 |
Note: These general liability rates reflect courier businesses with two employees across different states. Your rates will differ based on your location, claims history and services.
Workers' compensation insurance rates for courier businesses vary by state. North Carolina charges $193 monthly. Pennsylvania charges $261 monthly. State regulations and claim histories cause these pricing differences.
| Alabama | $223 |
| Alaska | $209 |
| Arizona | $215 |
| Arkansas | $217 |
| California | $251 |
| Colorado | $226 |
| Connecticut | $245 |
| Delaware | $245 |
| Florida | $245 |
| Georgia | $229 |
| Hawaii | $238 |
| Idaho | $214 |
| Illinois | $247 |
| Indiana | $219 |
| Iowa | $216 |
| Kansas | $222 |
| Kentucky | $210 |
| Louisiana | $257 |
| Maine | $194 |
| Maryland | $216 |
| Massachusetts | $236 |
| Michigan | $213 |
| Minnesota | $212 |
| Mississippi | $228 |
| Missouri | $225 |
| Montana | $225 |
| Nebraska | $213 |
| Nevada | $257 |
| New Hampshire | $227 |
| New Jersey | $256 |
| New Mexico | $229 |
| New York | $261 |
| North Carolina | $193 |
| Oklahoma | $211 |
| Oregon | $208 |
| Pennsylvania | $261 |
| Rhode Island | $249 |
| South Carolina | $231 |
| South Dakota | $212 |
| Tennessee | $219 |
| Texas | $230 |
| Utah | $216 |
| Vermont | $218 |
| Virginia | $205 |
| West Virginia | $236 |
| Wisconsin | $221 |
Note: We based these workers' comp rates on courier businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Your professional liability cost will vary by state. Nationwide, this coverage averages $50 monthly. North Dakota offers the most affordable rates at $43 per month, while Louisiana has the highest costs at $60 monthly.
| Alabama | $48 |
| Alaska | $44 |
| Arizona | $47 |
| Arkansas | $48 |
| California | $56 |
| Colorado | $49 |
| Connecticut | $55 |
| Delaware | $53 |
| Florida | $54 |
| Georgia | $50 |
| Hawaii | $48 |
| Idaho | $48 |
| Illinois | $55 |
| Indiana | $48 |
| Iowa | $48 |
| Kansas | $47 |
| Kentucky | $46 |
| Louisiana | $60 |
| Maine | $44 |
| Maryland | $47 |
| Massachusetts | $52 |
| Michigan | $46 |
| Minnesota | $48 |
| Mississippi | $50 |
| Missouri | $49 |
| Montana | $49 |
| Nebraska | $48 |
| Nevada | $58 |
| New Hampshire | $49 |
| New Jersey | $57 |
| New Mexico | $50 |
| New York | $57 |
| North Carolina | $44 |
| North Dakota | $43 |
| Ohio | $46 |
| Oklahoma | $48 |
| Oregon | $46 |
| Pennsylvania | $58 |
| Rhode Island | $55 |
| South Carolina | $51 |
| South Dakota | $46 |
| Tennessee | $48 |
| Texas | $51 |
| Utah | $48 |
| Vermont | $48 |
| Virginia | $45 |
| Washington | $56 |
| West Virginia | $52 |
| Wisconsin | $49 |
| Wyoming | $46 |
Note: We based these professional liability rates on courier businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Your courier business insurance costs depend heavily on your state, with BOP insurance cost differences reaching nearly $94 between the cheapest and most expensive locations. North Dakota offers the most affordable rates at $247 monthly, while New York businesses have the highest premiums at $341 for the same coverage.
| Alabama | $287 |
| Alaska | $255 |
| Arizona | $275 |
| Arkansas | $286 |
| California | $325 |
| Colorado | $290 |
| Connecticut | $314 |
| Delaware | $312 |
| Florida | $317 |
| Georgia | $288 |
| Hawaii | $299 |
| Idaho | $277 |
| Illinois | $310 |
| Indiana | $282 |
| Iowa | $283 |
| Kansas | $286 |
| Kentucky | $269 |
| Louisiana | $319 |
| Maine | $252 |
| Maryland | $280 |
| Massachusetts | $303 |
| Michigan | $274 |
| Minnesota | $267 |
| Mississippi | $286 |
| Missouri | $285 |
| Montana | $286 |
| Nebraska | $274 |
| Nevada | $321 |
| New Hampshire | $291 |
| New Jersey | $324 |
| New Mexico | $294 |
| New York | $341 |
| North Carolina | $253 |
| North Dakota | $247 |
| Ohio | $270 |
| Oklahoma | $268 |
| Oregon | $270 |
| Pennsylvania | $332 |
| Rhode Island | $320 |
| South Carolina | $296 |
| South Dakota | $267 |
| Tennessee | $280 |
| Texas | $290 |
| Utah | $274 |
| Vermont | $269 |
| Virginia | $263 |
| Washington | $327 |
| West Virginia | $302 |
| Wisconsin | $278 |
| Wyoming | $265 |
Note: We based these BOP rates on courier businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Courier business insurance costs vary by provider, ranging from $174 to $221 monthly. These price differences reflect each insurer's specific market focus and strategic priorities, which shift over time based on profitability and coverage expansion opportunities.
| Chubb | $221 | $2,650 |
| Coverdash | $183 | $2,196 |
| Hiscox | $196 | $2,351 |
| NEXT Insurance | $174 | $2,091 |
| Nationwide | $207 | $2,485 |
| Progressive Commercial | $187 | $2,245 |
| Simply Business | $178 | $2,134 |
| The Hartford | $178 | $2,131 |
| Thimble | $198 | $2,381 |
| biBERK | $176 | $2,106 |
Several factors affect your courier business insurance costs when insurers calculate your policy rates:
Your service territory drives insurance costs through traffic density and weather hazards. Urban courier operations in congested cities have higher collision risks and elevated premiums compared to suburban routes.
States with harsh winter conditions or frequent severe weather increase both vehicle and cargo insurance expenses.
Your driving record and past incidents heavily impact commercial auto rates. Previous at-fault accidents, cargo damage claims, or delivery errors remain visible for three to five years.
Couriers maintaining clean motor vehicle records and zero loss histories qualify for substantial discounts from carriers.
Driver headcount determines workers' compensation and commercial auto expenses. Independent contractors working solo maintain minimal insurance overhead beyond vehicle coverage.
Companies employing multiple drivers have escalating premiums based on total payroll and the inherent risks drivers encounter daily.
Delivery models you employ create varying risk profiles. Standard scheduled routes differ from on-demand rush services requiring faster speeds and tighter deadlines. Same-day delivery, overnight services or white-glove handling with signature requirements each introduce distinct liability scenarios affecting your overall premium structure.
Annual income reflects operational scope and corresponding coverage needs. Part-time couriers earning $40,000 with one vehicle maintain straightforward insurance requirements, while established firms generating $800,000 with multiple drivers need extensive protection.
Protection amounts you select create cost variations. Commercial auto liability starts at $1 million, though many clients require $2 million or higher. Cargo insurance limits based on maximum shipment values, general liability for premises exposure, and umbrella policies all layer beyond basic vehicle coverage.
Your transportation assets fundamentally shape insurance costs. Bicycle couriers need minimal coverage, while operations running cargo vans or box trucks require comprehensive commercial auto policies. Fleet size, vehicle age and maintenance quality all influence premiums, with newer vehicles and smaller fleets receiving better rates.
Financial standing influences commercial auto insurance accessibility and pricing. Courier operators with strong credit scores often enjoy 15% to 35% discounts compared to those with credit challenges. Solid credit signals responsible business management, reducing insurer concerns about policy lapses or fraudulent claims.
Managing courier business insurance costs takes strategy and smart decision-making. Our guide shows you how to find cheap business insurance for your courier company while improving your risk profile and keeping long-term expenses in check.
Courier businesses need commercial auto insurance above everything else because it covers your fleet and drivers. You'll also need cargo insurance for packages in transit, general liability for customer injuries or property damage and workers compensation for your drivers.
Run a warehouse or dispatch center? Add property coverage for your facility and sorting equipment.
Commercial auto premiums for courier services vary 35% to 60% between insurers based on driver safety records and delivery radius. Get quotes from four or five insurers to negotiate better rates and find carriers with strong claims handling for delivery businesses.
Combine commercial auto, cargo and general liability with one carrier to save 12% to 20% versus separate policies. Fleet discounts apply when you insure multiple vehicles under one policy, with bigger savings as you add more delivery vans or trucks.
Raising collision deductibles from $500 to $1,000 per vehicle cuts premiums substantially for larger fleets. This works if you can pay for minor repairs from cash flow and maintain a low accident rate. Keep cargo insurance deductibles reasonable since package claims happen more often.
Monthly payment plans for fleet insurance add 4% to 9% in administrative fees that compound across multiple vehicles. Pay annually to eliminate these charges. Some insurers offer 6% to 10% discounts for upfront payment. For a five-vehicle fleet with $12,000 in annual premiums, you'd save over $1,000 yearly through reduced fees and payment discounts.
Review your coverage yearly or when you add vehicles, hire drivers or expand your delivery territory across state lines. Increase your cargo limits as you take on higher-value deliveries or pharmaceutical shipments requiring specialized coverage.
Courier business insurance costs $193 to $341 monthly, depending on your location, business size and claims history. Reduce costs by comparing quotes from multiple insurers, bundling coverage, choosing higher deductibles and paying annually instead of monthly.
Courier business owners ask these questions about insurance costs:
Professional liability coverage costs $50 monthly but only covers errors and omissions. Most courier businesses need general liability coverage ($196 monthly) because it protects against customer injuries and property damage lawsuits.
California charges $219 monthly for general liability (versus $196 nationally) and $325 monthly for BOP (versus $289 nationally). New York charges $228 and $341, respectively.
Bundling courier business insurance policies saves more than buying individual coverage. Most insurers discount bundled commercial auto, general liability and commercial property insurance.
Several factors increase premiums: driving in high-crime areas, past claims, multiple drivers, transporting valuable goods, poor driving records and low credit scores.
Higher deductibles cut monthly premiums but increase what you pay per claim. Consider your cash reserves and how often you expect to file claims.
Workers' compensation for courier businesses costs $193 monthly in North Carolina and $261 monthly in Pennsylvania.
Yes. BOP costs $289 monthly but combines general liability, commercial property and business interruption coverage. Buying these protections together saves money versus separate policies.
Review your courier business insurance yearly when your policy renews. Compare quotes from multiple insurers to find savings, especially after adding employees or expanding services.
We collected courier business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small courier business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the courier industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
