The Hartford earned our top spot for the best small business insurer for courier companies due to its affordability and coverage. However, we recommend comparing quotes from our other top picks, including NEXT, biBerk and Simply Business.
Best Courier Business Insurance
Updated: July 17, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford is the best business insurance company for courier firms because it offers the greatest balance of affordability and customer service.
The cheapest overall commercial insurance provider for courier businesses is The Hartford, with low monthly rates for various coverage types.
To shop for business insurance for your courier business, assess the risks in your industry, consult agents and other similar organizations, and compare multiple options.
Best Business Insurance for Courier Companies
| The Hartford | 96 | 98 | 91 |
| NEXT Insurance | 95 | 94 | 94 |
| biBERK | 92 | 94 | 91 |
| Simply Business | 91 | 92 | 83 |
| Coverdash | 91 | 93 | 83 |
| Progressive Commercial | 88 | 91 | 81 |
| Nationwide | 88 | 84 | 91 |
| Hiscox | 86 | 87 | 87 |
| Thimble | 86 | 88 | 81 |
| Chubb | 85 | 80 | 87 |
*All scores were based on a courier business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. The Hartford
pros
Lowest rates for most coverage types
Extensive experience with over 200 years in the industry
Highest financial stability ratings
cons
Less affordable for workers' comp policies
COMPANY HIGHLIGHTS
The Hartford earned the top position in our courier company insurance rankings, using its 200-year industry experience to deliver strong value for delivery operations. It stands out as both the best and cheapest overall option, offering the lowest rates for three out of four coverage types in our study, making it highly attractive for courier businesses operating on tight margins.
The Hartford provides strong commercial auto and general liability coverage for package delivery risks, while its excellent customer service and A+ from AM Best ensure reliable claims processing when coverage is most needed.
2. NEXT
pros
Best customer service experience
Reasonable rates for most coverage types
Large coverage selection
cons
Slower quote times than competition
Lower financial stability ratings
COMPANY HIGHLIGHTS
NEXT earned the runner-up position in our courier company insurance rankings, with strong affordability and customer satisfaction. The company ties for second most affordable while earning the top spot for customer service, with a 4.7 out of 5.0 rating from over 3,000 policyholders despite having less than a decade in the insurance industry.
NEXT offers competitive rates across most of our coverage types, including the second most affordable rates for general and professional liability insurance.
3. biBerk
pros
Online convenience
Good financial stability ratings
cons
Online-only customer support with no phone representatives
Fewer coverage options than other insurers
COMPANY HIGHLIGHTS
biBerk earned third place in our courier company insurance rankings with its simple approach to delivery operation coverage. The company offers competitive rates for essential protections like commercial auto and general liability insurance, helping courier businesses get necessary coverage against delivery and operational risks at manageable costs.
biBerk's straightforward digital platform and transparent pricing appeal to courier operators seeking reliable insurance without complicated paperwork.
Cheapest Business Insurance for Courier Firms
Our study shows The Hartford offers the cheapest overall commercial insurance for courier companies across most policy types. This applies to courier companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Courier Companies
With an average monthly rate of $181, The Hartford offers the lowest-cost general liability insurance for courier companies. Still, get quotes from the next-most-affordable insurers: NEXT and Coverdash.
| The Hartford | $181 | $2,168 |
| NEXT Insurance | $182 | $2,179 |
| Coverdash | $186 | $2,233 |
| Simply Business | $186 | $2,235 |
| biBERK | $191 | $2,287 |
| Progressive Commercial | $193 | $2,317 |
| Thimble | $206 | $2,474 |
| Hiscox | $211 | $2,536 |
| Nationwide | $215 | $2,581 |
| Chubb | $238 | $2,853 |
Cheapest Workers' Comp Insurance for Courier Companies
For courier businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $97 per month or $1,162 yearly. However, you may find more affordable rates with Progressive Commercial, Hiscox, Simply Business and The Hartford.
| Thimble | $97 | $1,162 |
| Progressive Commercial | $104 | $1,253 |
| Hiscox | $108 | $1,298 |
| Simply Business | $108 | $1,294 |
| The Hartford | $110 | $1,317 |
| Coverdash | $111 | $1,328 |
| NEXT Insurance | $113 | $1,353 |
| biBERK | $114 | $1,368 |
| Nationwide | $121 | $1,458 |
| Chubb | $130 | $1,564 |
Cheapest Professional Liability Insurance for Courier Companies
The Hartford offers the most affordable professional liability insurance options for courier companies, with low average monthly rates of $89. You may also want to compare prices from other low-cost providers like NEXT, Progressive Commercial and Thimble.
| The Hartford | $89 | $1,070 |
| NEXT Insurance | $93 | $1,119 |
| Progressive Commercial | $94 | $1,133 |
| Thimble | $97 | $1,161 |
| Hiscox | $98 | $1,179 |
| Simply Business | $98 | $1,182 |
| Coverdash | $100 | $1,198 |
| biBERK | $102 | $1,224 |
| Nationwide | $106 | $1,270 |
| Chubb | $115 | $1,382 |
Cheapest BOP Insurance for Courier Companies
The Hartford provides the most affordable business owner's policy (BOP) coverage for courier companies, with an average yearly cost of $2,746 for bundled general liability and property protection. That's a savings of roughly $234 annually compared to biBerk, the second most affordable option.
| The Hartford | $229 | $2,746 |
| biBERK | $248 | $2,980 |
| NEXT Insurance | $263 | $3,162 |
| Coverdash | $270 | $3,240 |
| Simply Business | $279 | $3,347 |
| Progressive Commercial | $290 | $3,481 |
| Hiscox | $315 | $3,778 |
| Thimble | $320 | $3,843 |
| Nationwide | $323 | $3,880 |
| Chubb | $356 | $4,268 |
What Type of Coverage Do You Need for a Courier Business?
Companies with employees need workers' comp insurance, and businesses that use vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. You might also need a surety bond in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED COURIER BUSINESS COVERAGE
We recommend general liability insurance for courier companies because it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. It’s particularly helpful for courier businesses with commercial contracts or high-risk jobs, like technical, legal, or customized services.
How to Get the Best Cheap Business Insurance for Your Courier Company
Here's our step-by-step guide for finding the best and cheapest business insurance for your courier company.
- 1
Decide on coverage needs before buying
Think about what could go wrong in your courier business, get advice from similar businesses, talk to agents and research the types of business insurance. This helps you understand your coverage needs and prevents you from buying excessive coverage.
- 2
Research costs
Research average costs for your business profile and find which providers offer the cheapest rates overall. This gives you a benchmark for how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
Research what customers say on online rating sites and forums to get a better look at company services. Also, check coverage options to make sure you're covered for the right items, both now and as your business grows.
- 4
Compare multiple quotes through different means
The best way to find a good deal is to compare multiple quotes for the same coverage. Pricing varies by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business will change, affecting your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Courier Business's Liability Risk
Reducing risks in your courier business helps keep insurance costs manageable. We've organized practical strategies tailored to your business's risk level, helping you minimize claims and save on premiums.
Courier Business Risk Type | Included Types of Courier Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | Medical specimen transport, hazardous materials delivery, high-value item courier, legal document service, pharmaceutical delivery, bank/financial transport |
|
Moderately high | Same-day delivery services, rush courier services, business-to-business delivery, parts delivery, perishable goods transport, multi-city routes |
|
Moderate | Local package delivery, document delivery, food delivery services, retail delivery, small parcel courier, appointment-based delivery |
|
Moderately low | On-foot messenger services, bicycle courier, local mail delivery, lightweight package delivery, campus delivery services |
|
Lowest | Courier dispatch services, delivery consulting, logistics coordination, courier brokerage, delivery software services |
|
Best Insurance for Courier Business: Bottom Line
The Hartford is the best insurer for courier business insurance, offering the most affordable coverage overall. We also recommend getting quotes from NEXT, biBerk and Simply Business. For the best deal, talk to agents, research providers and pricing, and compare multiple quotes side by side.
Courier Business Insurance: FAQ
Below, we answer common questions about courier business insurance.
Who offers the best courier business insurance overall?
The Hartford offers the best business insurance for courier companies, with a MoneyGeek score of 96 out of 100. NEXT is a strong second with excellent customer service.
Who has the cheapest business insurance for courier companies?
Here are the cheapest business insurance options for courier companies by coverage type:
- Cheapest general liability insurance: The Hartford at $181 monthly
- Cheapest workers' comp insurance: Thimble at $97 monthly
- Cheapest professional liability insurance: The Hartford at $89 monthly
- Cheapest BOP insurance: The Hartford at $229 monthly
What business insurance is required for courier organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for courier businesses, with requirements varying by state. While not legally mandated, general liability insurance and surety bonds are effectively required by most commercial clients and property leases.
How much does courier business insurance cost?
Business insurance costs for courier businesses vary by coverage type. Below are the average monthly costs from our study:
- General liability: $200 per month
- Workers comp: $113 per month
- Professional liability: $97 per month
- BOP insurance: $295 per month
How We Chose the Best Courier Business Insurance
We selected the best business insurer for courier companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
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.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 16, 2025.
- NEXT. "Customer Reviews." Accessed June 16, 2025.
- Trustpilot. "Thimble." Accessed June 16, 2025.