The Hartford doesn’t offer motorcycle courier insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Motorcycle Courier Insurance?
Motorcycle courier insurance refers to a package of different business insurance needs can vary depending on the type of jobs you take on, the surfaces you clean, the equipment you use and how your business is structured. For example, a contractor washing residential driveways may face different risks than one handling commercial buildings or specialty surfaces. Understanding these differences can help you choose the right mix of coverages, including the types of business insurance that make the most sense for your pressure washing business.
coverages designed for businesses or independent couriers who deliver goods using motorcycles. Personal motorcycle insurance may not cover business delivery activities. That’s why courier insurance may include multiple types of business insurance coverages, depending on the risks a courier business faces.
Although The Hartford doesn’t offer insurance coverage for motorcycle couriers, we can help connect you with Tivly to get the coverage you need.
Why Might You Need Motorcycle Courier Insurance?
Motorcycle courier businesses face daily risks like traffic accidents, damaged deliveries and third‑party property damage or injuries while on the road. Motorcycle courier insurance typically combines multiple types of business insurance coverages that can help safeguard against these risks and support your operations if something unexpected happens.
Keep in mind that coverage needs can vary depending on factors like:
- Type of deliveries
- Size of your business
- Whether your business has employees
- Where deliveries take place
Who Might Need Motorcycle Courier Insurance?
Motorcycle courier insurance may be relevant for a wide range of delivery professionals who use motorcycles as part of their work. Coverage needs can vary based on the type of deliveries made. These kinds of businesses could benefit from having this insurance:
- Independent motorcycle couriers
- Food delivery drivers using motorcycles
- Parcel or document delivery couriers
- Medical supply couriers
- Small delivery businesses that rely on motorcycles
- Local courier companies
What Type of Insurance Might I Need for a Motorcycle Courier Business?
Courier motorbike insurance typically includes a mix of business insurance coverages that addresses the risks motorcycle couriers face on the job. Many courier businesses start with a Business Owner’s Policy (BOP) as a foundation for their insurance plan because of the peace of mind it can provide. It includes three types of coverage to help protect you in the event of personal injury, property damage or lost income.
A BOP includes:
General liability insurance to help protect your business from claims that it caused bodily injury or property damage to others.
Commercial property insurance
to help protect your owned or rented building, as well as the tools, equipment, inventory and supplies you use to operate your motorcycle courier business. These can include:
- Delivery equipment and storage containers
- Helmets and safety gear
- Dispatch computers and office equipment
- Mobile devices used for delivery management
- Package storage shelves or racks
- Packing materials and shipping supplies
- Inventory or goods temporarily stored before delivery
Business income insurance to help replace lost income if you can’t operate temporarily because of damaged property caused by fire, theft or wind.
It’s important to remember that a BOP won’t cover every kind of claim you could face as a motorcycle courier. You may need to get other types of coverage to give your business well-rounded protection, including:
How Much Does Motorcycle Courier Insurance Cost?
Insurance costs for motorcycle couriers vary because every business faces unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
Although The Hartford doesn’t offer coverage for motorcycle couriers, here are the average costs our small business customers pay for common types of coverages. You can use these amounts to help estimate your insurance cost:**
- BOP: $1,687 a year, or about $141 a month
- General liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
To find out your specific motorcycle courier business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“One of our delivery couriers accidentally clipped a customer’s storefront sign while parking, causing damage that needed to be repaired.”
General liability insurance can help pay for third‑party property damage claims, including repair or replacement costs related to the incident. It also helps cover claims that your business caused bodily injury to someone else while on the job.
Business Income Insurance
“After someone broke into our company’s garage and stole our courier motorbikes, we had to pause deliveries until the bikes could be replaced.”
Business income insurance can help replace lost income and cover certain ongoing expenses if your courier business is temporarily unable to operate due to a covered event like theft, fire or wind damage.
Workers’ Compensation Insurance
“One of my couriers was in an accident while making a delivery and broke their wrist. They needed medical treatment and time off to recover.”
Workers’ compensation insurance can help pay medical expenses and replace lost wages if an employee is injured or becomes ill from their job, helping reduce the financial strain on your business.
Commercial Umbrella Insurance
“While making a delivery, I accidentally drove my motorcycle across a customer’s newly paved driveway, causing property damage. The customer sued my business.”
Commercial umbrella insurance can help cover liability claims or lawsuits that exceed the limits of your underlying general liability coverage.
Commercial Property Insurance
“Someone broke into our garage overnight and stole our motorbikes and the safety gear we use every day.”
Commercial property insurance can help cover repair or replacement costs if your business property, tools or equipment are damaged, stolen or lost due to a covered event.
Commercial Auto Insurance
“One of our couriers was involved in an accident while riding a motorcycle for a delivery, causing damage to the bike and another vehicle.”
Commercial auto insurance can help cover property damage and liability costs if you or an employee is involved in an accident while using a motorcycle for work.
Motorcycle Courier Insurance You Can Depend On
See your price and understand what coverage options make sense for your motorcycle courier business. Get a quote from Tivly today.
Last Updated: May 28, 2026
2 U.S. Chamber of Commerce, “Crime Risk to Business: 2023,” viewed April 2026.
3 Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2023 to 2024,” viewed April 2026.
4 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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