As a takeaway owner in the UK, providing insurance for your delivery drivers is an important consideration. Whether you use your own employees or contract with independent drivers, it's important to ensure that they are properly insured while they are on the road.
In this blog post, we'll take a look at the insurance requirements for takeaway delivery drivers in the UK, and what you need to know as a takeaway owner.
Types of insurance takeaway operators should know about
Employer's liability insurance
If you employ delivery drivers directly, you are required by law to have employer's liability insurance. This type of insurance covers you in the event that an employee is injured or becomes ill as a result of their work for your business.
For example, if a delivery driver is involved in a car accident while making a delivery, your employer's liability insurance would cover the costs of any medical treatment and compensation for lost wages.
Public liability insurance
As a takeaway owner, you are also required to have Public Liability Insurance. This type of insurance covers you in the event that a customer is injured on your property or if their property is damaged as a result of your business operations.
For example, if a delivery driver damages a customer's car while making a delivery, your public liability insurance would cover the costs of any legal claims.
If you use your own vehicles for deliveries, you will need to have motor insurance in place. This type of insurance covers the cost of any damage or injury caused by an accident involving the vehicle.
It's important to note that most standard motor insurance policies only cover drivers who have been specifically named on the policy, so if you use a fleet of vehicles for deliveries, you may need to purchase additional coverage.
Courier insurance is a type of insurance that specifically covers the transportation of goods and packages. It is typically purchased by courier companies and delivery services, but it can also be purchased by takeaway owners.
This type of insurance typically covers the cost of any damage or loss to the goods while they are in transit, and can also provide liability coverage in the event that a delivery driver is involved in an accident.
Hire and reward insurance
If you use independent delivery drivers who use their own vehicles, you will need to ensure that they have hire and reward insurance. This type of insurance covers the cost of any damage or injury caused by an accident involving the vehicle and it is a legal requirement for anyone who carries passengers or goods for hire or reward.
When it comes to providing insurance for your delivery drivers, it's important to understand the specific requirements of your business. If you employ drivers directly, you will be required to have employer's liability insurance, public liability insurance, and motor insurance.
If you use independent drivers, you will need to ensure that they have the correct insurance in place, including hire and reward insurance. Additionally, if you use your own vehicles for deliveries, you may need to purchase additional coverage, such as courier insurance.
Cover your takeaway by knowing your stuff
As a takeaway owner in the UK, it's important to understand the insurance requirements for your delivery drivers. From employer's liability insurance and public liability insurance to motor Insurance and hire and reward insurance, there are many different types of insurance that you will need to be aware of.
By working with an insurance broker or advisor, you can ensure that your drivers are properly insured while they are on the road, and that your business is protected in case of any accidents or incidents.