Courier business insurance costs vary significantly by coverage type. MoneyGeek's analysis shows monthly premiums range from $50 for Professional Liability coverage to $289 for a Business Owner's Policy (BOP).
How Much Does Courier Business Insurance Cost?
Courier business insurance starts at $50 per month, though your specific business details and coverage needs will determine your actual rate.
Discover cheap courier business insurance below.
Select your industry
Updated: August 15, 2025
Advertising & Editorial Disclosure
Key Takeaways
Courier business insurance costs range from $50 to $289 monthly, depending on your coverage type.
Your courier insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable courier business insurance costs.
Average Courier Business Insurance Cost Overall
| BOP | $289 |
| General Liability | $196 |
| Professional Liability (E&O) | $50 |
| Workers Comp | $226 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Courier Business Insurance Cost for General Liability Coverage by State
Your courier business insurance cost for general liability coverage depends on where you operate. Maine offers the most savings at $170 monthly (versus the $196 national average), while New York costs $228 monthly.
| Alabama | $192 |
| Alaska | $173 |
| Arizona | $186 |
| Arkansas | $188 |
| California | $219 |
| Colorado | $195 |
| Connecticut | $213 |
| Delaware | $211 |
| Florida | $213 |
| Georgia | $199 |
| Hawaii | $202 |
| Idaho | $186 |
| Illinois | $216 |
| Indiana | $192 |
| Iowa | $187 |
| Kansas | $191 |
| Kentucky | $182 |
| Louisiana | $218 |
| Maine | $170 |
| Maryland | $187 |
| Massachusetts | $206 |
| Michigan | $186 |
| Minnesota | $184 |
| Mississippi | $197 |
| Missouri | $194 |
| Montana | $196 |
| Nebraska | $186 |
| Nevada | $223 |
| New Hampshire | $195 |
| New Jersey | $223 |
| New Mexico | $197 |
| New York | $228 |
| North Carolina | $170 |
| North Dakota | $171 |
| Ohio | $182 |
| Oklahoma | $183 |
| Oregon | $182 |
| Pennsylvania | $227 |
| Rhode Island | $216 |
| South Carolina | $202 |
| South Dakota | $184 |
| Tennessee | $192 |
| Texas | $198 |
| Utah | $187 |
| Vermont | $189 |
| Virginia | $179 |
| Washington | $223 |
| West Virginia | $206 |
| Wisconsin | $193 |
| Wyoming | $182 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Courier Business Insurance Cost for Workers’ Compensation Coverage by State
Your courier business's cost for workers' compensation varies by state. North Carolina offers the lowest rates at $193 monthly and Pennsylvania the highest at $261 monthly. Our analysis reveals how state regulations and claim histories create these 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Courier Business Insurance Cost for Professional Liability Coverage by State
Like other types of coverage, your cost for professional liability varies by state. The national average is $50 monthly. North Dakota offers the lowest rates at $43 for E&O insurance, while Louisiana has the highest 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Courier Business Insurance Cost for BOP Coverage by State
Business owner's policy rates show significant variation in courier insurance costs nationwide. Monthly premiums range from $247 in North Dakota to $341 in New York for similar 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Courier Business Insurance Cost
Insurance companies look at several factors to determine your courier business insurance costs. Understanding these pricing elements helps you plan your budget better. Here's how different variables affect your insurance rates.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in high-traffic urban areas or regions with high accident rates increases your risk; state differences also account for premium changes.
Safety record and claims history
Previous claims impact your future premiums, sometimes for three to five years. A single vehicle accident or package damage claim can increase your general liability rates at renewal.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and driver classifications. Adding delivery personnel increases your payroll costs. This affects your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Services offered
Same-day delivery, overnight shipping and specialized handling services carry different risk levels. A company offering only local deliveries faces lower premiums than one providing interstate or hazardous material transport.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers see larger operations as having more exposure to claims. A solo courier earning $50,000 annually pays less than a delivery company with $500,000 in revenue and multiple drivers.
Coverage limits
Insurance with higher coverage limits provides better protection, but it costs more. Choosing between different coverage amounts affects your premium.
Vehicle fleet value
The size and value of your delivery fleet impacts insurance costs. A company operating newer delivery vans worth $30,000 each pays more for coverage than one using standard sedans worth $15,000 each.
Credit Score and Financial Stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs.
How to Get Cheap Courier Business Insurance
Smart shopping and good business practices can lower your courier insurance costs significantly. Here are proven strategies to reduce your premiums now and build a stronger insurance profile over time.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your courier business needs prevents overpaying for unnecessary coverage. Commercial auto insurance protects your delivery vehicles, while general liability covers accidents during deliveries. Consider cargo insurance to protect packages in transit
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between carriers for identical coverage. Get quotes from at least three insurers to find the best rates. Consider working with an independent agent who can compare quotes from multiple providers for you
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining commercial auto, general liability and cargo insurance with one carrier typically costs less than purchasing separate policies from different insurers
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out-of-pocket for smaller claims, but your regular insurance payments will be lower
- 5
Pay annually instead of monthly
Monthly payment processing fees can add up quickly. Paying your premium annually eliminates these extra charges and often qualifies you for additional discounts from your insurer
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your policy yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and activities
Insurance for Courier Business Cost: Bottom Line
Courier business insurance costs range from $50 to $289 monthly, with your location, claims history and business size influencing your premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Courier Business Insurance Cost: FAQ
Business owners ask many questions about courier insurance costs, so we gathered straightforward answers to common cost-related concerns below.
What is the cheapest type of courier business insurance?
Professional liability insurance costs $50 monthly. However, most courier businesses need general liability coverage ($196 monthly) to protect against customer accidents and property damage claims.
How much can I save by bundling my courier business insurance policies?
Bundling multiple policies through a BOP offers the best value, with potential savings up to 25% compared to purchasing separate coverage types.
What factors make my courier business insurance more expensive?
Professional liability (E&O) insurance costs $50 per month, making it the most budget-friendly coverage option for courier businesses compared to other policy types.
Should I choose a $500 or $2,500 deductible for my courier business insurance?
Higher deductibles lower your monthly premiums but require more cash when filing claims. Consider your financial reserves and claim frequency when selecting your deductible amount.
How much does workers' compensation cost for courier businesses by state?
Workers' compensation rates for courier businesses vary from $193 monthly in North Carolina to $261 monthly in Pennsylvania, helping you plan expenses according to your location.
Is business owner's policy (BOP) worth the extra cost for courier companies?
BOP insurance costs couriers $289 monthly in the U.S. and combines multiple coverages into one policy, making it cost-effective for growing businesses needing comprehensive protection.
How often should I shop around for courier business insurance quotes?
You should review your courier insurance annually during renewal. Compare at least three providers to find better rates, particularly if your business has grown or changed.
How We Determined Courier Business Insurance Costs
We collected courier business insurance quotes from companies across different states. To make sure we compared apples to apples, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small courier businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.