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Carrier Legal Liability Insurance

When a company has merchandise that must be transported, they should consider the risks involved, such as an unexpected loss, damage or delay that may occur during transit. The purpose of a carrier legal liability insurance policy is to establish rules pertaining to the rights, responsibilities and liabilities of freight shippers and carriers in the event of damage, loss or delay. Gallant Risk & Insurance Services Inc. offers carrier legal liability insurance that covers compensation in the event of loss or damage to products in any stage of the transportation process, from loading to unloading. This type of policy can cover:

  • Commodities
  • Contamination of food and beverages
  • Deterioration of perishable goods
  • Excess stock
  • Global transit risks
  • Offshore equipment
  • Primary stock
  • Project cargo, including delay in startup
  • Stock throughput
  • Trade disruption

Detailed Coverage

Damages to cargo that are directly caused by fire, explosion, flood or water damage or an accident including the carrying vehicle are covered, along with the carrier’s liability for the accident. Salvaging the goods, shipping any remaining cargo and emergency storage costs may all be covered by your policy. If your company suffers a financial loss directly caused by lost freight in the accident, or if legal fees are required, these may also be protected under your carrier legal liability insurance. Any freight forwarder, carrier or warehousing company can benefit from this coverage, and in most cases, it is required by law. Typically, carrier liability coverage protects up to a certain dollar amount per ounce or pound of freight.

Filing a Claim

The shipper is required to provide evidence to prove that their products were in good condition when shipped and the level of damage sustained. Claims must be filed within a specific window of time after the event, so it is important to file immediately. The carrier then has a timeframe to acknowledge a business’ claim and respond. If the damage is due to an “act of God” or shipper negligence, such as inadequate packaging or loading, then the carrier is rarely at fault.

Protecting Your Products

Any enterprise that requires the transportation of products has risks involved with the shipment and delivery of their goods. Accidents can occur at any moment, so it is best to cover your carriers prior to an unexpected situation that can lead to a significant loss for your company. Associated costs for legal fees and losses can become a burden if insurance isn’t set in place. Speaking directly with an agent can provide peace of mind and a customized insurance plan to assist your company in these matters.

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