Starting up a courier service may seem quite difficult. But it’s not. With just a little knowhow it’s easy to just set up a courier business and get going. Drumming up business, investing in car fleet insurance, and keeping employees happy are all things that have to be taken into account. So take a look at this short guide to various aspects of the courier business and get that truck moving!
A Fleet of Vehicles
Any courier service will be using multiple vehicles to deliver their goods. But every vehicle must have a minimal amount of insurance or it can’t be driven on the roads of the UK. It’s expensive and troublesome to have paperwork for every vehicle so opt for car fleet insurance instead.
This covers all the cars of a company and they are all under the same policy so there’s one lot of paperwork for all the cars. What’s more, many insurance brokers offer discounts for companies that insure their cars all under one policy.
Drumming Up Business
There are many ways to drum up business, but the bottom line is that it’s all about being creative whilst not ignoring the basics. Here are just some of the ways in which the name of the company can get out there.
• Get the business in the local phone book. If people don’t know how to get in touch with the company then how can a business ever get off the ground?
• Develop an online presence. Build a website and get involved in social networking. This can not only give potential clients another avenue to get in touch, but it can even help businesses and clients meet.
• Hold events that are sponsored by the company. This requires a little bit of investment, but they really bring people in. It doesn’t even have to be related to the courier business. Just get the name on a banner in big letters.
Keep Employees Happy
This can’t be emphasised enough. Always make sure that employees are kept happy at all times. Employees who are happy will work harder and are more likely to go the extra distance. Offer them a pat on the back, talk to them as a friend, and maybe even give them a little bonus sometimes. Just keep them happy!
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If you carry goods for hire or reward, then by law you are required to have couriers insurance. Sometimes however, confusion arises, between couriers insurance and that of haulage insurance. Should you be dropping off many parcels during the day, then a courier insurance policy is necessary.
It is possible to include under the umbrella policy of couriers insurance, sole proprietors, courier companies, courier business partnerships and charities that require service of couriers.
A courier insurance package covers the type of vehicle used for carrying goods in transit. When getting a quote, the insurers check the weight of the vehicle in proportion to the type of goods you carry, to enable them to give an accurate quote for covering your business. The type of goods you carry must relate to the weight of the vehicle in use.
Couriers are often mistaken about their needs for a policy, or advised incorrectly on which items to cover. The result is that the insurers often consider claims invalid. It is necessary for specific insurance taken for anyone in the courier industry, to avoid any misunderstanding.
About Insurance Policies
Most of the courier’s insurance policies are the same type of cover as traditional vehicle insurance, in other words, comprehensive, third party fire and theft insurance and third party only. It is usual for the insurance policy to have excess attached to it, covering the first part of a claim that is your responsibility if proved that you are at fault in an accident.
It is not usual for courier drivers to have set transportation contracts. They get their customers by advertising and doing one-off transports, and are contactable every day at any time. Furthermore, a courier is not always aware of the contents of the packages they are delivering.
Often vans are the preferred vehicle use for couriers instead of HGV’s, as they are far cheaper to run and use less fuel. The typical van weighs up to 3.5 tonnes, whereas HGV’s are up to about 7.5 tonnes in weight.
Quotes given for insurance depend on the amount of drivers in use, their ages and what no claims history they have.
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The complexity of a freight transportation business concerns the variety of aspects to related different applications. A truck owner has the responsibility of assuring that the type of insurance cover chosen will provide protection for the full value of any goods carried in his truck.
Obtaining a truck insurance quote, for example, in respect of goods in transit insurance should be assisted by a qualified provider. The policy should offer cover against loss or damage to goods, which is of particularly importance if products of a fragile nature are transported. Awareness of under insurance is crucial, as an owner could be confronted with a significant liability in a situation where they are considered responsible for the loss or damage to conveyed goods.
The reviewing of insurance for trucks, due to the variations involved, is inclined to be complicated. There are various clauses in the policy that an owner and their qualified representative must understand. It is crucial to ensure correct and full coverage and that the transported products of customers are secured.
It is a legal responsibility for an owner of any truck to possess basic vehicle insurance. This may be extended to cover goods in transit by the trucks. A truck owner is likely to be more accepted by customers if the factor of having comprehensive truck insurance is advertised. A further advantage is that the correct truck insurance quote could provide security and financial benefits to the truck owner, should an accident or other mishap occur, resulting in damage or loss to any goods in their care.
If a trucking operation includes deliveries to the continent, then an owner will require determining the need for specific continental haulage insurance. It is therefore, advisable to conduct some research and obtain expert advice from an experienced and qualified broker or an insurer direct.
It is always advisable for a truck owner to research available options regarding insurance. This would relate to costs, but primarily coverage and benefits. If it relates to a vehicle not yet purchased, the relative insurance costs for different vehicles should be determined before a decision is made.
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Whenever a compensation claim is made against your business, you can be impacted in two crucial ways. First, there is the financial damage that may arise from claims as well as related legal expenses. Second, there is the potential risk that may be waged against your reputation. Although financial damages can certainly be expensive, the loss of your reputation in your industry can also be quite expensive and may even be impossible to calculate, given the possibility of future lost clients and profits.
The growth of the compensation culture throughout the last few years has now resulted in a significant threat to anyone who operates a business. Regardless of the type of business you operate or conduct, if you have any contact with the public at all you need to make certain you have adequate protection. Investing in public liability insurance and/or professional indemnity insurance can provide you with peace of mind and the protection your business needs from potential financial risks.
An increasing number of businesses have now recognized the tremendous benefits of business insurance and are now electing to purchase insurance as a way of protecting their businesses interests. If you have not yet thought about how your business would afford the expenses that might be incurred in the event a client or member of the public should launch a compensation claim against your business, it is certainly time to do so.
For many businesses, even the necessity of defending themselves against a compensation claim could be more of an expense than they are equipped to bear financially and could spell financial disaster. Consider for a moment whether your business would be prepared to respond in such a situation. What if your business were found to be liable for damages? Would your business be able to survive?
Liability insurance and indemnity insurance are two different types of business insurance policies that are designed to protect your business in the event damages should arise from different circumstances. Public liability insurance provides protection if a member of the public sustains any damage to their body or property while on your premises. Professional indemnity insurance provides protection if a client or customer brings a lawsuit against your business for making a mistake, negligence or error that has resulted in some type of damage. Both forms of insurance can be beneficial in different circumstances. Remember that mistakes and accidents can happen at any time. Make certain your business is protected.Read More
When you are earning a living and part of that job includes driving your van to job sites and using your van to get those jobs done, you need a that is dependable and reliable. It must get you where you need to go, on time and ready to work. Your van is like an office and much of your contact with the public is likely to be in your van. Your van has to make a statement about who you are and the quality of the job you do.
It is important to keep your van clean. While a work van will get some wear and tear and may even have some inevitable clutter and debris, the impression you make will at least in part depend on how your van looks. Are their coffee cups and sandwich wrappers in the floorboard? Is the van covered in dirt and grime? Simply throwing away trash and washing the vehicle can really make a difference in the impression you make.
But perhaps more important than cleanliness is organization. The last thing you want to do when a customer asks to see paperwork is rummage through everything looking for what you need. Be sure anything important is handy and within easy reach. Remember, how organized you are in your van reflects on how organized you will be on the job.
Once you have your van looking great and well-organized, you want to be sure that you keep a regular maintenance schedule that will assure you do not miss an important appointment or fail to get a job done on time. This includes everything from checking and changing the oil to monitoring filters and tires. Not only does a regular maintenance routine ensure you will get where you need to go, it also saves money by increasing fuel efficiency and nipping problems in the bud before they become too costly.
Finally, and most importantly, you must properly insure your van. You need adequate insurance for vans to cover the cost of your van and its contents should it be stolen or involved in a serious accident. Otherwise, the costs of damages could be too much to handle. You must get quality insurance coverage that will repair or replace your van quickly to prevent you from losing business. This, along with the other points covered here, is critical if you want to run a successful business.Read More
Two recent news stories regarding bus insurance have attracted attention in the insurance industry. Not least because of the interest story but the two combined factors in negligence against saving costs as a business on bus insurance quotes and policies, not to mention the excesses paid each time a claim needs to be made..
Bus insurance has to be sourced annually if not renewing with the same insurer. Finding the cheapest and best to meet your business needs is never an easy task but being able to compare bus insurance policies online quickly sure can help.
The new stories related to incidents in an area of Poole, where a man claims a bus under the helm of Wilts And Dorset bus company has hit his vehicle three times in the last year while it was parked in North Road. On two of the occasions the it’s reported that the driver failed to stop but the second time did provided the vehicle’s owner with insurance details.
In another report, an insurance management software and training company has come up with an ideal way of making drivers for fleet management companies more aware of the cost of their negligence. Negligence which results in small dents, scrapes or minor accidents and that when considered over time, this affects the business on a whole.
If you’re running a bus company with the best bus insurance in hand, you can still be looking at a hefty additional insurance bill annually if drivers don’t feel the vehicle is their responsibility instead of just a 9-5 job.
Ensuring drivers understand that every dent costs the bus company a £100, every minor bump or scratch the same, then a driver can soon realise how a bus company paying £10,000 a year out on insurance excesses can affect their yearly bonuses.
Finding the best and cheapest bus insurance is the easy task. Ensuring your drivers on staff respect the bus they are driving and that bus insurance is for major bodywork and driver and passenger safety is another task that fleet managers need to address to save costs.Read More