Goods in transit cover protects the items you are carrying between the point they are picked up and the point they are delivered. Without it, you will be liable for damage, loss or theft of goods you are transporting. That is why many businesses and local authorities insist on goods in transit cover for couriers they use. Conditions of carriage will typically make you liable for some or all of the cost of damage, loss or theft of goods. Goods in transit insurance can be arranged with limits of indemnity to suit your needs.
Courier insurance protects you and your vehicle, with limited cover (if any) for cargo.