This is the most important type of insurance that a motorcycle courier needs. It protects the courier in the event of an accident, whether they are at fault or not. Motorcycle insurance typically includes liability coverage, which covers damages to other people's property and injuries, as well as collision coverage, which covers damages to the courier's own motorcycle.
2. Commercial auto insurance:
If the motorcycle courier is using their motorcycle for commercial purposes, they will need commercial auto insurance. This type of insurance is more expensive than personal auto insurance, but it provides more comprehensive coverage. Commercial auto insurance typically includes liability coverage, collision coverage, and cargo coverage, which protects the courier's goods in the event of an accident.
3. Workers' compensation insurance:
If the motorcycle courier is an employee of a company, the company may be required to carry workers' compensation insurance. This type of insurance protects the courier in the event of a work-related injury or illness. Workers' compensation insurance typically covers medical expenses, lost wages, and disability benefits.
4. Personal liability insurance:
Personal liability insurance protects the motorcycle courier from being sued for damages that they cause to other people or their property. This type of insurance is not typically required, but it can provide peace of mind.
