From inland road movements to CIF/CIP import-export consignments, cargo faces handling damage, accident, pilferage, water ingress and total loss. ICC (A/B/C) clause selection, the correct sum insured (invoice + freight + 10%) and clear inco-term alignment decide whether a claim is paid in full or contested.
Exposure profile
Where this risk lands on your balance sheet.
The exposures we evaluate first when scoping a programme against this risk.
01
Handling & accident damage
Loading, transhipment and road accidents account for the bulk of transit claims.
02
Pilferage & non-delivery
High-value, easily-resold goods attract theft across the supply chain.
03
Water & weather damage
Monsoon routes, deck stowage and port congestion compound exposure.
04
Inco-term & clause gaps
The wrong ICC clause or a mismatched inco-term leaves a window of uninsured liability.
Industries most exposed
Who carries the most of this risk.
The sectors where this exposure is most acute, each links to its industry page.
Whoever bears it under the terms of sale, which is a contractual question rather than a practical one. Businesses regularly insure goods that were not their risk and leave uninsured the ones that were. The terms of sale settle it and are worth reading before the cover is arranged.
Not to any useful extent. A carrier's liability is limited by contract and by law, usually to an amount per consignment or per weight that bears no relation to the value of what is on the vehicle. Recovering from a carrier is also slow and contested.
Not the annual value, the maximum on any one vehicle or sending. That figure is what a single accident or theft can take, and it is the number that decides how the cover has to be structured. Businesses know their annual despatches and often have never worked out the per-load maximum.
Loading and unloading, and the stops in between, far more than in motion. Handling damage, pilferage at transhipment points and wet damage from inadequate packing account for most claims. Route and packing therefore describe the exposure better than distance does.
Different, not less. Export adds jurisdictions, longer chains and higher values per sending. Inland movement in India carries frequent handling, road conditions and pilferage. A business doing both should not assume the domestic leg is the safe one.
Find your cover
Five questions. A starting programme. No obligation.
Step 1 of 5
Are you placing cover for a business or for personal lines?
What is the scale of the operation?
Who is the cover for?
What worries you most? (pick up to three)
When does your current cover renew?
Anything specific we should know?
Optional. Sector, location, prior claim history, current insurer, whatever frames the engagement.
Your starting programme
Based on what you told us, here is the cover that fits.
This is a starting position, not a quotation. A short call with an advisor will refine it against your actual exposure, claim history and contract obligations.
Raksha AI’s note
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A guide to what an advisor weighs, not a price. Your exact premium is confirmed after a quick review.
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