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What is freight liability insurance?

Freight liability insurance is a specialized policy designed to protect freight operators, logistics companies, and courier services against liability claims arising from cargo damage, loss, theft, and third-party injuries during freight operations and transportation.

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Who needs freight liability insurance?

Freight liability insurance is essential for freight operators, haulage companies, courier services, logistics providers, warehousing businesses, and any company transporting goods for commercial purposes. It's often required by law and by clients as a condition of service.

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What does freight liability insurance cover?

Freight liability insurance typically covers cargo damage and loss, third-party bodily injury and property damage claims, legal defence costs, and liability arising from loading, unloading, and transportation operations. Coverage can be customized based on your specific cargo types and routes.

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Is freight liability insurance legally required?

Yes, freight liability insurance is a legal requirement under the Road Traffic Act for any vehicle carrying goods for commercial purposes. Additionally, many clients require proof of insurance before engaging freight services, making it essential for business operations.

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What is the difference between cargo liability and general liability?

Cargo liability covers damage to goods in transit and claims from shippers/receivers for cargo loss or damage. General liability covers bodily injury and property damage claims arising from your operations at premises or during loading/unloading. Both are essential for comprehensive freight protection.

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How much does freight liability insurance cost?

Premiums vary based on fleet size, vehicle types, cargo types, annual mileage, routes, claims history, driver experience, and security measures. Hazardous goods and high-value cargo typically cost more. Contact us for a personalized quote tailored to your freight operations.

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Does freight liability insurance cover theft?

Yes, freight liability insurance typically covers cargo theft and pilferage during transit. However, coverage may be limited if adequate security measures are not in place. Installing tracking systems, alarms, and secure storage can help reduce theft risk and potentially lower premiums.

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Can I get freight liability insurance for hazardous goods?

Yes, we provide specialized freight liability insurance for hazardous goods transportation. Coverage includes spillage, contamination, and environmental liability. Hazardous goods require additional compliance documentation and typically higher premiums due to increased risk.

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What is environmental liability coverage?

Environmental liability coverage protects against costs arising from accidental spillage, contamination, or environmental damage during freight operations. It covers cleanup expenses, third-party claims, and regulatory penalties, essential for hazardous goods operators.

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Does freight insurance cover accidents caused by driver negligence?

Yes, freight liability insurance covers accidents and incidents caused by driver negligence, provided the driver was acting within the scope of employment. However, intentional acts or criminal conduct are typically excluded from coverage.

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What is the claims process for freight liability?

Contact Insure24 immediately following an incident. Our freight claims team will guide you through documentation, coordinate with third parties, arrange inspections if needed, and work to settle your claim promptly. We provide 24/7 claims support for freight emergencies.

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Can I get freight liability insurance for international transport?

Yes, we provide freight liability insurance for international transport including EU and cross-border operations. International coverage may require additional documentation and compliance with foreign regulations. Contact us for details on international freight protection.

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What is CMR insurance?

CMR (Convention on the Contract for the International Carriage of Goods by Road) insurance covers liability for cargo damage during international road transport. It's required for cross-border freight operations and provides standardized protection across EU countries.

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Does freight liability cover temperature-controlled cargo?

Yes, we provide specialized coverage for temperature-controlled and refrigerated freight. Coverage includes spoilage losses from equipment failure or temperature fluctuations. Proper maintenance records and monitoring systems help ensure coverage and reduce premiums.

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What is subcontractor liability coverage?

Subcontractor liability coverage protects you when using other freight operators or subcontractors to handle your cargo. It ensures you remain protected even when third parties handle your freight operations, maintaining your liability coverage throughout the supply chain.

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Can I get coverage for valuable or high-value cargo?

Yes, we provide specialized coverage for high-value cargo including electronics, jewelry, artwork, and luxury goods. High-value cargo requires additional security measures and typically commands higher premiums based on cargo value and risk assessment.

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What exclusions apply to freight liability insurance?

Common exclusions include intentional acts, criminal conduct, war or terrorism, wear and tear, poor packaging, and losses from inadequate security. Policies also typically exclude coverage for cargo not properly documented or declared. Review your policy for specific exclusions.

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How can I reduce my freight liability insurance premium?

Implementing security measures like GPS tracking, alarms, and secure storage reduces theft risk. Maintaining excellent driver records, providing driver training, and using quality vehicles also lower premiums. Higher deductibles and limiting coverage can reduce costs, though this may leave you underinsured.

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Does freight liability cover loading and unloading accidents?

Yes, freight liability insurance covers accidents and injuries occurring during loading and unloading operations at your premises or customer locations. This includes third-party injuries and property damage claims arising from these activities.

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What is the difference between goods in transit and goods in storage?

Goods in transit coverage protects cargo while being transported on vehicles. Goods in storage coverage protects cargo at warehouses or depots. Comprehensive freight liability insurance should cover both transit and storage to ensure full protection throughout the supply chain.

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How often should I review my freight liability coverage?

Review your freight liability insurance annually at renewal, or whenever your business changes significantly (new vehicles, expanded routes, different cargo types, increased fleet size). Regular reviews ensure your coverage limits remain adequate as your freight operations grow and evolve.