Cover for goods you carry or are responsible for
Goods in Transit Insurance helps protect your business against loss or damage to goods while they are being transported. For logistics, haulage and freight businesses, cover often needs to reflect legal liability, rather than the full value of the goods, depending on contractual responsibilities.
This insurance can be arranged to align with industry trading conditions, including RHA Conditions of Carriage, Freight Liability and CMR for international movements.
What’s typically covered
- Loss or damage to goods while in transit
- Theft from vehicles
- Fire, collision or overturning
- Loading and unloading risks
- Goods owned by you and/or goods belonging to customers
Cover is subject to policy terms, conditions, exclusions and limits.
Haulier’s & Freight Liability
For hauliers, logistics operators and freight handlers, insurance can be structured to cover liability accepted under contract, rather than full goods values.
Cover can be arranged for:
- Haulier’s Liability under RHA Conditions of Carriage
- Freight Liability, including non-vehicle handling risks
- CMR Convention for international carriage of goods by road
- UK-only or international transit
- Subcontracted vehicles or third-party hauliers (where agreed)
Who it’s suitable for
- Haulage and logistics operators
- Courier and delivery businesses
- Freight forwarders and transport intermediaries
- Pallet networks and linehaul operators
Claim example
A logistics operator arranges onward transport for customer goods and temporarily stores them at a depot. The goods are damaged during handling prior to dispatch. Freight Liability insurance can respond to the claim in line with the operator’s contractual responsibilities and agreed liability limits