Protecting the value of your goods in transit — beyond carrier liability
Do You Need Cargo Insurance?
Cargo insurance protects your goods’ value during transit. Carrier liability limits (sea, air, road) are often far below the shipment value. Consider insurance especially for high-value or fragile goods and routes prone to disruption.
Coverage Snapshot
| Aspect | All-risk (ICC A) | Basic (ICC B/C) | Carrier Liability |
|---|---|---|---|
| Scope | Broad physical loss/damage (exclusions apply) | Named perils (limited list) | Limited by convention and value/kg |
| General Average | Typically covered | May be covered (check policy) | Not covered |
| Claims Basis | Indemnifies goods value + costs as agreed | Only if peril listed occurred | Strict limits regardless of actual loss |
| Who Arranges? | Buyer/Seller per Incoterms (CIF/CIP seller) | Buyer/Seller per Incoterms | Carrier only (not insurance) |
How Clintopia Helps
We can arrange cover alongside Freight Forwarding for Sea Freight, Air Freight and Distribution moves, and guide suitable cover levels.
Related terms
Note: This page is informational and not insurance or legal advice. Always review your policy wording.
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