Sector
What insurance does a logistics or delivery company need?
In logistics, the biggest people risk is on the road. Road accidents in India killed 172,890 people in 2023, and over 66% were aged 18 to 45. So accident cover and workmen’s compensation come first for drivers and field staff, with group health alongside. For the business, transit insurance protects goods on the move.
In short
- The biggest risk is on the highway, not in a hospital.
- Group personal accident leads for drivers and field staff.
- Workmen’s compensation covers the employer’s legal liability.
- Transit insurance protects goods on the move.
Why does accident cover lead in logistics?
Because drivers and field staff spend their working day on the road. According to the Ministry of Road Transport and Highways, road accidents killed 172,890 people in India in 2023, and over 66% of them were aged 18 to 45, the working years. Group personal accident cover pays a fixed sum for death or disability, around the clock.
How do I cover drivers and contract staff?
Map every worker to the cover that applies. Logistics often runs on layers of employees, contract drivers and gig workers. Workmen’s compensation covers your legal liability for injured workers, including contract workers where you can be held liable. Our page on contract workers explains the gap to close.
How are goods in transit protected?
Through transit or marine cargo insurance. It covers goods against loss or damage while they move by road, rail, sea or air. Our transit insurance page explains the cover.
Frequently asked questions
What insurance does a logistics company need?
Group personal accident and workmen's compensation for drivers and staff, group health, and transit insurance for goods.
Why is accident insurance important for delivery staff?
Because road accidents are a leading risk, and over 66% of road deaths in 2023 were people aged 18 to 45.
Are contract drivers covered under workmen's compensation?
They can be, and should be checked; a principal employer can be liable for contract workers.
What happens when you talk to us
A 20-minute video call with a Growth Advisor. No obligation, and no quote pushed. It opens with a five-minute video from our founder on how the benefits stack works and why Ethika exists; the rest is your questions. You’ll leave with an honest read on your current cover and claims experience, and a straight answer on whether we can genuinely help, even if you never become a client.
20 minutes with a Growth Advisor. No obligation.
A note on this page. Everything here is general information, not insurance, legal or financial advice, and nothing is an offer. Road accident figures are from the Ministry of Road Transport and Highways, Road Accidents in India 2023, released 28 August 2025. For advice about your situation, talk to us.