The Hartford, NEXT and Simply Business offer the best cheap business insurance for courier companies, with rates starting at $34 monthly.
Get matched to the best courier business insurer for you below.
Updated: November 9, 2025
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Courier businesses need different types of coverage, such as commercial auto for delivery vehicles, workers' comp for injured drivers, general liability for damaged client property and cargo insurance protecting packages during transport.
The Hartford offers the best business insurance for courier companies, delivering the lowest rates across three coverage types plus top-ranked customer service and fast claims processing when delivery accidents occur.
NEXT provides the cheapest business insurance for courier services at $174 monthly overall, with the lowest workers' comp at $213 monthly for delivery operations.
The Hartford ranks as the best business insurance for courier companies, providing quality service and affordable coverage at $178 monthly.
Our analysis of 10 insurers serving courier businesses and delivery services found NEXT and Simply Business tied for second, followed by biBERK and Coverdash. Compare quotes from these providers to find the right protection for your courier operation.
| The Hartford | 4.78 | $178 |
| NEXT Insurance | 4.73 | $174 |
| Simply Business | 4.60 | $178 |
| biBERK | 4.60 | $176 |
| Coverdash | 4.50 | $183 |
| Nationwide | 4.40 | $207 |
| Progressive Commercial | 4.40 | $187 |
| Hiscox | 4.30 | $196 |
| Thimble | 4.30 | $198 |
| Chubb | 4.30 | $221 |
*We based all scores on a courier business with two employees across professional liability, general liability, workers' comp and BOP policies.
Select your industry and state to get matched to the best provider for you and get customized quotes.
Compare coverage options for your courier business:
Lowest rates for courier businesses across three out of four coverage types
Top scores for claims processing and customer service quality
A+ (Superior) financial strength rating from AM Best
Over 200 years of insurance experience serving delivery operations
Digital experience ranks last among providers analyzed
Fewer add-on coverage options compared to competitors
Not available in Alaska or Hawaii
The Hartford offers affordable rates and reliable service for courier businesses and delivery drivers. Its top scores matter when you're filing claims for delivery vehicle accidents, cargo damage or slip-and-fall injuries during package drops.
AM Best rates it as A+ in financial strength, which means it will pay your claims when accidents happen on the road or at delivery sites.
Most affordable provider in MoneyGeek's study
Get quoted, covered and insured in under 10 minutes.
A+ financial strength rating from AM Best with financial backing from Munich Re
Ranks first for satisfaction, recommendations and policy management.
Covers courier operations across multiple delivery zones and states
Ranks ninth for E&O insurance at $56 monthly
Claims process scores lower than competitors
BOP coverage only available in 41 states
For courier businesses and delivery drivers, NEXT offers the cheapest overall coverage in our study. It generates unlimited certificates instantly from your phone at no extra cost.
This insurer earned an A+ (Superior) financial strength rating from AM Best. Its multi-location workers' comp covers operations across different delivery zones.
NEXT offers the cheapest courier business insurance at $174 monthly, with competitive rates for general liability, workers' comp insurance and BOP coverage.
Delivery services save the most with NEXT across three out of four policy types we studied. For professional liability insurance, courier companies pay less with Chubb.
| NEXT Insurance | $174 | $2,091 |
| biBERK | $176 | $2,106 |
| The Hartford | $178 | $2,131 |
| Simply Business | $178 | $2,134 |
| Coverdash | $183 | $2,196 |
| Progressive Commercial | $187 | $2,245 |
| Hiscox | $196 | $2,351 |
| Thimble | $198 | $2,381 |
| Nationwide | $207 | $2,485 |
| Chubb | $221 | $2,650 |
In general, courier business insurance costs are the following for the four most popular coverage types:
| BOP | $289 | $3,464 |
| General Liability | $196 | $2,353 |
| Professional Liability (E&O) | $50 | $598 |
| Workers Comp | $226 | $2,716 |
The required coverages for couriers (workers comp and commercial auto) protect you legally and financially for common risks in the industry. Optional coverages you should consider are professional liability insurance if you do private contracts/agreements and general liability to cover you for complaints of services not being completed properly and your cargo.
To learn more about whether you need different types of business insurance coverage:
Follow our step-by-step method for getting business insurance that protects your courier business without overpaying.
Think about accidents your drivers face daily, like rear-ending cars between deliveries, packages falling off dollies or clients tripping over boxes at drop-offs.
Talk with other courier operators about their claims and consult agents who work with delivery businesses to understand what coverage protects you.
Know rates before shopping so you recognize fair pricing. Check what courier companies with similar fleet sizes and delivery areas pay for workers' comp and commercial auto. It helps you negotiate better and spot when insurers quote high rates for delivery operations.
Read reviews from other courier services about claim handling for delivery accidents. Check if insurers quickly process cargo theft claims, pay out for loading dock injuries or hassle you with certificate of insurance requests. Pick insurers who understand your time-sensitive delivery schedules and route demands.
Get quotes from at least three insurers using different methods since rates vary widely for courier businesses. Independent agents often find specialty courier insurers with better fleet discounts, while online platforms like NEXT offer instant quotes. Call insurers directly to ask about delivery discounts.
Your courier operation changes as you add drivers, expand delivery zones or handle higher-value shipments.
Review coverage each year when you hire seasonal holiday drivers or upgrade your fleet. Compare quotes annually to keep your rates competitive as your delivery business grows.
The Hartford delivers the best overall courier business insurance with affordable rates for general liability, workers' comp and BOP coverage, plus fast claims processing when delivery accidents happen.
NEXT offers the cheapest coverage overall at $174 monthly with instant online quotes and 24/7 certificate of insurance downloads. Compare rates from both insurers to protect your delivery operation without overpaying.
We answer frequently asked questions about courier company insurance:
The Hartford leads courier business insurance with a MoneyGeek score of 4.78 out of 5. NEXT follows closely behind at 4.73, delivering excellent affordability, customer support and comprehensive protection for courier operations.
Here are the cheapest business insurance companies by coverage type:
Courier companies must carry workers' compensation insurance for employees and commercial auto insurance for company vehicles, though requirements differ by state. General liability coverage and surety bonds aren't legally mandated, but most clients require them.
Courier company insurance costs per month by coverage type are as follows:
We selected the best business insurer for courier companies based on the following criteria:
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
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.
