Named-perils cargo insurance (often written on Institute Cargo Clauses (C) or similar) protects goods in transit against a defined list of insured events. Instead of “all-risks” cover, you are insured only for specified perils such as fire, explosion, vessel or vehicle overturning, collision and other major incidents. It’s a suitable option where budgets are tight, risks are known and cargo is lower risk or lower value.
Exact wording depends on the insurer and clause set, but usually includes the major transport risks listed below.
Best suited where cargo types, routes and risk appetite justify a more limited but cheaper cover.
What is the difference between named-perils and all-risks cargo cover?
When is named-perils cargo insurance appropriate?
Does named-perils cargo insurance cover theft or pilferage?
Can I mix named-perils and all-risks covers?
Can you help compare named-perils vs all-risks options?
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