Haulage Contractors Insurance
Get The Right Coverage For Haulage Contractors Insurance First Time Round
As a haulage contractor, your business relies on the smooth and efficient operation of your fleet. Whether you’re transporting goods across the country or handling complex logistics, the risks involved in haulage are unique and varied. From road accidents and vehicle damage to public liability claims and goods in transit, protecting your business is essential.
At ABA Insurance, we offer specialised Haulage Contractors Insurance packages designed to cover every aspect of your operations, so you can focus on running your business with confidence.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What Is Haulage Contractors Insurance?
Haulage Contractors Insurance is a comprehensive insurance solution designed to protect businesses that operate heavy goods vehicles (HGVs) and other transport vehicles for commercial purposes. Whether you manage a single lorry or a large fleet, haulage contractors face a wide range of risks daily, including accidents, vehicle damage, goods in transit, and public liability claims. ABA Insurance offers tailored insurance packages that safeguard your vehicles, goods, drivers, and operations, ensuring that your business can continue to operate smoothly even when unexpected events occur.
Why Haulage Contractors Need Specific Insurance
Haulage contractors manage large fleets, valuable cargo, and long journeys, all of which carry inherent risks. Standard vehicle insurance policies may not provide adequate coverage for haulage businesses, especially when it comes to protecting the goods you transport or covering your drivers. Haulage Contractors Insurance offers protection designed specifically for your industry, covering everything from vehicle breakdowns to third-party claims. Here’s why you need specialised haulage insurance:
1. Comprehensive Vehicle Cover
Your vehicles are the backbone of your haulage business, and any damage or breakdown can cause significant disruption to your operations. Commercial vehicle insurance covers your entire fleet, protecting your lorries, vans, or trucks from accidents, theft, fire, and other damage. This ensures your vehicles are repaired or replaced quickly, keeping your business on the road.
2. Goods in Transit Insurance
As a haulage contractor, you are responsible for the goods you transport. If those goods are damaged, lost, or stolen while in transit, you could be held liable for the financial loss. Goods in transit insurance covers the value of the goods you’re transporting, ensuring your business is protected from these risks.
3. Public Liability Insurance
Your haulage business may involve interacting with third parties—whether through loading and unloading goods, delivering to clients, or dealing with road incidents. Public liability insurance protects your business from claims made by third parties who may suffer injury or property damage as a result of your operations. For example, if your lorry damages a client’s property during a delivery, public liability insurance covers the legal fees and compensation costs.
4. Employer’s Liability Insurance
If you employ drivers, warehouse staff, or any other employees, employer’s liability insurance is a legal requirement. It protects your business from claims made by employees who may be injured or fall ill as a result of their work. This insurance covers legal fees and compensation payouts, ensuring that your business is protected from employee-related claims.
5. Business Interruption Insurance
If an unexpected event, such as a road accident, vehicle breakdown, or major incident, disrupts your business and causes downtime, business interruption insurance covers the loss of income during this period. This coverage ensures that you can continue paying fixed costs, such as rent, wages, and utilities, while your business recovers from the disruption.
What Makes Us Different
We are specialists in the Construction Industry. We have the expertise and knowledge to get your business the most comprehensive and competitive insurance solution. We add value to your business by working closely with you, helping protect your business from financial loss, all while delivering a seamless easy experience.
Common Challenges Haulage Contractors Face When Choosing Insurance
Haulage contractors face several challenges when it comes to securing the right insurance coverage. These include:
1. High Vehicle Maintenance Costs
Maintaining a fleet of HGVs, trucks, and vans can be costly, and any damage or breakdown could result in expensive repairs and business disruption. Without the right vehicle insurance, haulage contractors may struggle to cover these costs.
2. Goods in Transit Risks
Transporting goods—especially valuable or fragile items—carries significant risk. If goods are damaged, lost, or stolen while in transit, the financial burden can fall on the haulage contractor. Ensuring that your goods in transit coverage is adequate is crucial to avoiding costly claims.
3. Managing Multiple Policies
With a haulage business, you often need to cover multiple areas, including vehicles, employees, goods, and third-party claims. Managing separate insurance policies can be time-consuming and may leave gaps in your coverage.
How ABA Insurance Solves These Problems
At ABA Insurance, we understand the unique challenges faced by haulage contractors. Our specialised Haulage Contractors Insurance packages provide complete coverage for your vehicles, goods, and employees, ensuring your business is protected from every angle. Here’s how we address the common challenges you may face:
1. Comprehensive Vehicle Insurance
We provide full commercial vehicle insurance that covers your entire fleet, whether you operate lorries, trucks, or vans. This insurance protects your vehicles from accidents, theft, fire, and other damage, ensuring that repairs or replacements are handled quickly, keeping your business on the road.
2. Complete Goods in Transit Protection
Our goods in transit insurance covers the value of the cargo you transport, whether it’s construction materials, consumer goods, or specialised equipment. This ensures that if goods are lost, damaged, or stolen, your business won’t face the financial consequences.
3. All-in-One Insurance Packages
Rather than juggling multiple policies, we offer a single Haulage Contractors Insurance package that covers everything your business needs, including vehicles, public liability, employer’s liability, and business interruption insurance.
Key Components of Haulage Contractors Insurance
1. Commercial Vehicle Insurance: Keeping Your Fleet on the Road
Your vehicles are essential to your haulage business. Commercial vehicle insurance protects your trucks, lorries, and vans from accidents, theft, and damage, ensuring that any necessary repairs or replacements are handled promptly. This helps to minimise downtime and keeps your business running smoothly.
2. Goods in Transit Insurance: Protecting the Cargo You Transport
The goods you transport are your responsibility, and any damage or loss could result in costly claims from clients. Goods in transit insurance ensures that you are protected if the cargo you’re transporting is lost, stolen, or damaged while on the road, reducing the risk of financial loss.
3. Public Liability Insurance: Safeguarding Your Interactions with Third Parties
Whether you’re delivering goods, loading or unloading cargo, or operating on a client’s site, accidents can happen. Public liability insurance protects your business from claims made by third parties who may be injured or have their property damaged due to your operations. This coverage ensures that legal costs and compensation payouts are covered.
4. Employer’s Liability Insurance: Protecting Your Team
As an employer, you are responsible for ensuring the safety of your drivers and staff. Employer’s liability insurance protects your business from claims made by employees who are injured or become ill as a result of their work. This insurance is legally required and ensures that your business is compliant with health and safety regulations.
5. Business Interruption Insurance: Minimising Financial Loss During Downtime
If an unexpected event forces your haulage business to stop operating temporarily, business interruption insurance covers the loss of income during the downtime. This ensures that you can continue paying fixed expenses, such as rent and wages, while your business recovers from the disruption.
Why ABA Insurance Is the Right Choice for Haulage Contractors
At ABA Insurance, we understand the complexities of the haulage industry and the specific risks you face as a contractor. Our tailored Haulage Contractors Insurance packages are designed to provide complete protection, ensuring that your business can continue to operate with minimal risk and maximum efficiency.
Why Choose ABA Insurance?
Tailored Coverage
We design bespoke insurance packages based on your haulage business’s size, fleet, and specific needs, ensuring you have the right cover for every aspect of your operations.
Expert Advice
Our team of experienced insurance specialists provides professional advice and guidance, helping you navigate the complexities of haulage insurance.
Easy Claims Process
In the event of a claim, we handle the process quickly and efficiently, ensuring that your business can get back on the road with minimal disruption.
Cost-Effective Solutions
We work with leading insurers to offer competitive premiums, ensuring you get the best value for comprehensive coverage.
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get Your Personalised Haulage Contractors Insurance Quote Today
Don’t leave your haulage business exposed to risks such as vehicle damage, goods in transit losses, or liability claims. Contact ABA Insurance today for a personalised Haulage Contractors Insurance quote, and let us help you protect your business, vehicles, and staff with comprehensive and cost-effective coverage.
