Express courier. Direct.
Also overnight.
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Insurance comparison for courier partners in Switzerland
Practical guide for independent courier partners in Switzerland: which insurances to consider, what they cover, common exclusions and a closing checklist.
Quick answer
Independent courier partners should compare liability, accident, vehicle and income insurance. These policies cover third‑party claims, accident consequences, vehicle damage and loss of earnings. Compare coverage limits, deductibles, exclusions and contract terms. Use the checklist to select appropriate policies and reduce business risk.
Why the right insurance matters
As an independent courier you drive frequently in urban areas and carry others' goods. If something goes wrong, you can be personally liable. Without the right policies you face high costs and business interruption. Insurance reduces financial risks and protects your livelihood.
Liability insurance: what to check
Liability insurance covers bodily injury and property damage you cause to third parties. Check the coverage limit (often several million CHF), who is insured and whether courier work is explicitly covered. Also verify territorial limits (e.g. CH/EU) and reporting duties.
Accident insurance for the self-employed
Accident insurance pays for medical costs and compensation for invalidity. Private accident policies for self-employed people can cover loss of earnings and disability. Review waiting periods, daily allowances, disability progression and the treatment of occupational vs. non-occupational accidents.
Vehicle insurance: liability, partial and full cover
Depending on vehicle type and use, partial or full comprehensive cover may be worth it in addition to mandatory liability. Compare cover for theft, glass, fire, deductibles and rules for multiple users. Make sure professional courier use is permitted under the policy.
Income protection and business interruption
Income protection (daily benefits or disability cover) replaces part of earnings after illness or long-term accident. Business interruption cover helps if repairs or legal issues stop your operations. Check waiting periods and maximum payouts.
Common exclusions and pitfalls
Typical exclusions: intentional damage, driving under influence, undeclared transport of forbidden goods, overloading and undeclared professional risks. Some policies exclude ad-hoc subcontracting. Read clauses on drivers, cargo types and vehicle use carefully.
Frequently asked questions
Do I need separate policies for private and occupational accidents?
Yes. Social accident insurance for employees does not automatically cover the self-employed. Private or specific occupational accident policies are recommended for courier partners.
Does a standard car insurance cover courier trips?
Not always. Many standard contracts exclude professional use or commercial transport. Confirm with the insurer that courier activity is explicitly permitted.
How high should liability coverage be?
There is no single rule. Couriers who work commercially should choose high limits (several million CHF) to cover potential bodily injury and property damage. Adjust limits to your risk and clients' requirements.
What to check when switching insurers?
Check cancellation periods, transfer of no-claims discounts and potential coverage gaps between old and new policies. Record contract dates and inform key clients about the change.