Carriers and freight forwarders usually have their own liability insurance, but it is not designed to fully protect the cargo owner. Their liability is limited by conventions, contracts and terms & conditions - and may be much lower than the value of your goods. Cargo insurance, arranged by the cargo owner, is designed to insure the full value of the shipment (plus costs and profit, if required).
A simple comparison of who is insured, what is covered and how claims are calculated.
Freight liability is usually calculated using international conventions or national conditions, not invoice value.
Most cargo owners benefit from having their own policy rather than relying solely on carrier liability.
If my forwarder says they are insured, do I still need cargo insurance?
Does cargo insurance replace freight liability insurance?
Who should arrange cargo insurance under Incoterms?
Can I just rely on the carrier paying for any damage?
Can Insure24 review my contracts and existing cover?
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