Goods in Transit & Hauliers’ Liability Insurance

Protect your business, your vehicles, and the goods you carry with specialist transport insurance.

Whether you’re a haulier, courier, or tradesperson transporting your own goods, your business depends on keeping items safe and delivered on time. Accidents, theft, or damage can happen at any point, and without the right cover, your business could face costly claims and delays.

At The Yorkshire Broker, we arrange tailored Goods in Transit and Hauliers’ Liability Insurance to protect you against loss or damage to goods while they’re on the move — helping to keep your business rolling smoothly.

What is Goods in Transit Insurance?

Goods in Transit Insurance protects goods and materials while they’re being transported from one place to another, whether that’s by van, truck, or third-party carrier.

It covers loss, theft, or damage to the goods you’re responsible for while loading, unloading, or in transit.

This type of policy is suitable for:

Couriers and delivery drivers transporting parcels and packages
Haulage companies moving bulk goods or freight
Tradespeople carrying tools, parts, and materials
Retailers or manufacturers delivering their own products

In short, if your business moves goods by road, Goods in Transit Insurance is essential.

What is Hauliers’ Liability Insurance?

Hauliers’ Liability Insurance provides cover for goods in your care, custody, or control while you’re acting as a haulier.

It typically protects you against loss or damage to customers’ goods in line with your standard trading conditions, such as:

RHA (Road Haulage Association) conditions of carriage
CMR Convention (for international road transport)
Common Law liability

It can also include cover for consequential losses and legal defence costs if you’re held responsible for damaged or lost goods.

What Does the Cover Include?

Your combined policy can be tailored to include:

Goods in Transit Cover

Theft, loss, or damage to goods while loading, unloading, or in transit
Cover for goods left in vehicles overnight (subject to security requirements)
Protection for your own goods, customers’ goods, or both
Cover across the UK and abroad (including Europe if required)

Hauliers’ & Couriers’ Liability

Legal liability for loss or damage to third-party goods
Cover under RHA, CMR, or bespoke trading conditions
Defence costs for legal claims and disputes
Optional extensions for warehousing, subcontracted loads, or cross-border work

Additional Protection Options

Tools in Transit – covers tools and equipment carried in your vehicle
Public Liability Insurance – protects against injury or property damage claims from third parties
Employers’ Liability Insurance – a legal requirement if you employ drivers or warehouse staff
Fleet or Commercial Vehicle Insurance – can be combined for full protection on and off the road
Goods Storage Cover – if you temporarily hold customers’ goods in storage before delivery

Why You Need Goods in Transit & Hauliers’ Liability Insurance

Even with careful handling, goods can be damaged, lost, or stolen en route, and customers will expect you to take responsibility. Without insurance, you could face large replacement costs or compensation claims.

Having the right cover in place can:

Protect you financially against damaged or lost goods

Maintain customer confidence and business reputation

Meet contract or client requirements for liability cover

Cover your defence costs in the event of disputes or claims

Keep your operations running smoothly after unexpected setbacks

Example Scenarios

A courier’s van is broken into

and several parcels are stolen, Goods in Transit cover pays for the cost of the lost goods.

A haulier’s truck is involved in a road accident

damaging a customer’s shipment, Hauliers’ Liability covers the repair or replacement costs under RHA terms.

A tradesperson’s materials are damaged in transit

delaying a job, the policy helps recover the cost of replacement goods.

Why Choose The Yorkshire Broker?

Independent advice from experienced commercial insurance specialists
Access to a wide range of leading UK insurers
Tailored protection for couriers, hauliers, and trades
Friendly, personal service and support with claims and renewals
Option to combine cover with fleet or commercial vehicle insurance for convenience

We’ll take the time to understand how your business operates and ensure you’re properly protected, whether you run a single van or a fleet of trucks.

Protect Your Goods and Your Business Today

Whether you deliver locally or haul nationwide, we can arrange a Goods in Transit and Hauliers’ Liability Insurance policy that gives you complete peace of mind.

Call The Yorkshire Broker today on 01924 929070 to discuss your needs and get a tailored quote.