Insurance is often one of the largest annual costs for any haulage business, making it tempting to focus solely on finding the lowest premiumIn the haulage industry, every penny counts. Insurance is often one of the largest annual costs for any haulage business, making it tempting to focus solely on finding the lowest premium. But when it comes to haulage insurance, the cheapest option does not always represent the best value. A properly structured haulage insurance programme is built around three key elements: fleet insurance, liability insurance and goods in transit cover. Employers’ liability insurance is a legal requirement for businesses with staff and provides protection against claims arising from workplace injuries.