If you're new to handling the shipping responsibilities within your business you might not be sure what you have to take care of and what is expected to be taken care of by the courier company. One of these questions that inevitably arise with first time shippers is the question of insurance. Some people aren't sure if they have to get any insurance to insure the driver that they hire from the San Francisco courier service that they have hired to deliver their packages for them.
Generally speaking, this isn't something that you have to worry about. The courier companies are required by law to have insurance covering all of their drivers in the vehicles they use, and most courier companies are going to make sure that their drivers are insured as well as it is possible to insure them. They do this because they are a business, and they need to protect themselves from any potential liability in the case of an accident, which is an unfortunate possibility at all times when you are dealing with people who are on the road all day long. They will have all types of insurance on their drivers that it is possible for them to get according to the state laws.
The courier company is also going to have a specialized kind of courier insurance which covers the value of the goods that they are shipping. This is the only area where you might need to look into extra insurance, but this is something that you need to discuss with you courier company. They will have insurance that covers any damage to the cargo in case of almost any situation, ranging from damage sustained in a collision, to weather, to theft. However, they usually only have insurance which covers up to a certain value, so if your goods are especially valuable you may have to look into obtaining an extra policy to further protect them.
Taking out extra insurance for the driver of a courier vehicle isn't something that a company shipping goods should ever have to worry about. The only way that you have to worry about it is in the sideways manner, because some couriers may have an item on your invoice labeled as insurance, which could be them passing the cost of their insurance along to their customers, but you should never have to take out extra insurance for the driver of a courier vehicle yourself.