Skip to main content

"Our fleet, employees, buildings and liability cover is all arranged by Primo."

At Primo, we like all our clients to feel this way

Haulage Contractor Insurance:

Your Comprehensive Solution for Peace of Mind

As a haulage contractor, you understand the importance of keeping your business moving. At Primo, we specialise in tailoring insurance solutions that protect your fleet, your employees, and your business from the unique risks you face on the road and at your premises.

Liabilities and Fleet: Comprehensive Coverage for Haulage Contractors

Our haulage contractor insurance offers robust protection against the various liabilities and risks inherent to your industry:
  • Public Liability:

    Essential coverage against claims for injuries or damage caused to third parties or their property. We offer options for £5 million, £10 million, and higher limits to meet your specific needs.
  • Employers' Liability:

    A legal requirement in the UK, this covers compensation claims if an employee is injured or becomes ill due to their work.
  • Product Liability:

    Protects you if a product you transport or deliver causes harm or damage to a third party.
  • Motor Fleet Insurance:

    Our policies are designed for businesses with five or more vehicles, offering flexible coverage options (comprehensive, third-party fire & theft, or third-party only) for a wide range of vehicles, including cars, motorcycles, trucks, vans, and more. Third-party property damage is included as standard.
Additional Cover Options
We can further customize your insurance with a range of options, including:
  • Business Premises Insurance:

    Protects your offices, warehouses, and other premises against damage, theft, or fire.
  • Business Interruption Insurance:

    Provides income replacement if your business is temporarily closed due to a covered event.
  • Goods in Transit Insurance:

    Covers loss or damage to your cargo while in transit.
  • All Risks Away from Premises:

    Protects your equipment and tools while they are off-site.
  • Fidelity Insurance:

    Covers losses due to employee dishonesty.
  • Personal Accident (Assault) Insurance:

    Covers injuries sustained by you or your employees due to assault.
  • Deterioration of Stock Insurance:

    Covers spoilage or damage to perishable goods.
  • Money and Banking Insurance:

    Protects against theft or loss of cash and cheques.
  • Material Damage Insurance:

    Covers damage to your own vehicles.

Why Choose Primo?

Working with a specialist broker like Primo offers several advantages:
  • Industry Expertise:

    We have extensive experience in the haulage sector and understand the specific risks you face.
  • Tailored Solutions:

    We take the time to assess your unique needs and recommend the most appropriate coverage options.
  • Competitive Pricing:

    We compare quotes from multiple insurers to ensure you get the best value for your money.
  • Claims Assistance:

    We'll be there to help you navigate the claims process, should you need to make a claim.

Take the Next Step to Protect Your Business

Don't leave your haulage business exposed to unnecessary risks. Contact our team of experienced brokers today for a personalised quote and expert advice on protecting your livelihood.
We look forward to working with you!
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.

Haulage Contractor Insurance FAQ: Your Questions Answered | Primo

  • What is haulage contractor insurance, and why do UK haulage companies need it?

    Haulage contractor insurance is a specialised type of commercial insurance tailored for UK businesses involved in road haulage and logistics. It's essential because it safeguards your livelihood against a range of risks unique to the haulage industry, such as accidents, damage to goods in transit, liability claims, and legal expenses.
  • What specific types of coverage are included in a comprehensive haulage contractor insurance policy?

    A comprehensive haulage contractor insurance policy typically includes:
    • Public Liability Insurance: Covers claims for injury or property damage caused to third parties by your business activities.
    • Employers' Liability Insurance: A legal requirement in the UK if you have employees, this covers compensation claims for work-related injuries or illnesses.
    • Goods in Transit Insurance: Covers loss or damage to goods you're transporting.
    • Fleet Insurance (Motor Insurance): Covers your vehicles (HGVs, LGVs, vans, etc.) for damage, theft, and third-party liability.
  • What are the minimum legal insurance requirements for haulage contractors in the UK?

    In the UK, haulage contractors are legally required to have at least £5 million in Employers' Liability insurance (if you have employees) and valid motor insurance for each vehicle in your fleet. However, most reputable businesses choose higher levels of cover to protect against significant financial losses.
  • What additional coverage options can I add to my haulage contractor insurance policy?

    You can customise your haulage insurance policy with additional coverage options like:
    • Freight Liability Insurance (Haulage Operator's Liability): Covers your legal liability for loss or damage to goods you're transporting on behalf of others.
    • Environmental Liability Insurance: Covers clean-up costs and third-party claims resulting from pollution incidents.
    • Trailer Insurance: Covers theft or damage to trailers you own or hire.
    • Breakdown Cover: Provides roadside assistance and recovery services if your vehicles break down, minimising downtime.
  • How are haulage insurance premiums calculated in the UK?

    The cost of haulage insurance varies depending on several factors, including:
    • The size of your fleet and the types of vehicles (HGVs, LGVs, vans, etc.).
    • The nature of the goods you transport (hazardous materials may require higher premiums).
    • The level of cover you choose and the limits of indemnity.
    • Your claims history and driving records of your employees.

    It's recommended to get personalised quotes from multiple insurers to compare prices and coverage options tailored to your specific needs.
  • Can you explain the difference between haulage contractor insurance and goods in transit insurance?

    Haulage contractor insurance is a comprehensive package that typically includes goods in transit insurance as one of its components. Goods in transit insurance specifically covers loss or damage to the goods you're transporting, while haulage contractor insurance provides broader protection for your entire business, including liability and vehicle coverage.
  • Do I need haulage insurance if I'm an owner-operator with only one lorry?

    Yes, even if you're an owner-operator with a single lorry, you'll still need valid motor insurance to comply with UK law. Additional coverage like public liability insurance and goods in transit insurance is highly recommended to protect your business from potential financial losses due to accidents or damage to goods.
  • Can I still get haulage insurance in the UK if I have a history of claims?

    Yes, you can still get haulage insurance with a claims history, but your premiums may be higher. Some specialist insurers cater to businesses with higher-risk profiles, so it's worth seeking quotes from them to find the most suitable cover.
  • What should I do if my HGV is involved in an accident while transporting cargo?

    If your HGV is involved in an accident, first ensure the safety of everyone involved and contact the emergency services if necessary. Then, notify your insurance provider as soon as possible and provide them with all relevant details about the incident. They will guide you through the claims process and help you get the compensation you're entitled to under your haulage contractor insurance policy.
  • Why should I use a broker like Primo for my haulage contractor insurance? | Primo

    A broker, like Primo, specialises in insurance and can:
    • Expert Advice: We have in-depth knowledge of the haulage industry and can tailor a policy that meets your specific needs.
    • Market Access: We can access a wide range of insurers, comparing quotes to find you the best coverage at competitive prices.
    • Claims Assistance: We can help you navigate the claims process and ensure you receive fair compensation.
    • Ongoing Support: We offer continuous support and advice throughout your policy term, ensuring your coverage remains up-to-date and relevant to your evolving business needs.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.

Other Insurance For Consideration

Commercial Fleet Insurance

Driver getting in his van
Comprehensive, third party, fire and theft or third party only cover arranged for your business' vehicles.

Plant and Machinery Insurance

Commercial property insurance headed page on a clipboard with a blue background
Consider adding annual insurance cover for owned or hired-in plant and machinery to your business cover.

Commercial Property Insurance

Clipboard with a sheet of paper titled commercial property insurance
Do you need commercial property insurance in addition to liability cover? We can also arrange as a standalone policy.
Need Insurance help?

Call us at 01702 225 440

Brokers are available 9 am till 5 pm Mon-Fri.
Have us call you!

Within 24 hours or next working day

Primo
Professional Insurance Advice
Follow us