Cargo insurance – Essential cargo coverage for transportation

The complexity of supply chains means cargo insurance is no longer an optional addition—today, it’s a necessity for businesses aiming for market prominence. A single incident can result in losses worth millions of zlotys, particularly with specialised and high-value goods. Cargo insurance eliminates this risk by ensuring financial compensation in the event of damage.

Of course, under international conventions, the carrier’s liability is often limited. However, these regulatory compensation limits usually fail to cover the full value of the cargo. Transport insurance fills this gap, guaranteeing complete compensation regardless of the carrier’s liability limits.

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Forms of insurance in international transport

Specialised protection for international cargo arises from the complexity of logistical operations, often involving overlapping (and frequently complicated) regulations across various countries. Depending on your business specifics, RRAS offers transport insurance in the following forms:

 

Cargo Insurance All Risk

This type of international cargo insurance provides the broadest possible coverage, with exclusions only for factors explicitly stated in the policy. Cargo All Risk insurance is especially recommended for sensitive and high-value cargo.

 

Named Perils Transport Insurance

Protects against specific risks outlined in the policy, such as transport accidents, fire, explosions, or flooding. Named Perils cargo insurance optimises policy costs while covering key risk areas.

 

ICC Transport Insurance

International Cargo Clauses (ICC) are standard insurance forms in maritime transport, applicable also to other transport methods. Clause A provides All Risk coverage, Clause B covers significant threats, and Clause C addresses basic risks. RRAS’s expert team will help you select cargo transport insurance optimally tailored to your cargo specifics, routes, individual requirements, and budget.

Forms of Road Transport Insurance

Road transport remains the most common method of transporting goods. However, it involves numerous risks. Our road transport insurance protects your cargo against:

  • Collisions and road accidents.
  • Theft.
  • Damage due to improper cargo securing.
  • Destruction caused by extreme weather conditions.
  • Breakdown of refrigeration systems for goods requiring specific thermal conditions.
  • Delivery delays causing financial losses.

 

Our cargo insurance features a flexible territorial range, covering both domestic and international shipments. We also offer a door-to-door service ensuring continuous insurance coverage from loading to unloading at the destination.

Specialised Insurance in Transport and Freight Forwarding

In addition to traditional land transport and freight forwarding insurance, we provide coverage for three additional transportation methods: Maritime, Rail and Air.

Maritime Transport Insurance Forms

Sea transport, while economical and relatively safe, involves specific risks. The most common include general average, salvage costs, and cargo jettison. RRAS maritime insurance options encompass standard ICC clauses and additional extensions addressing individual needs:

  • Protection against storms, tsunamis, and other natural disasters.
  • Security against maritime piracy.
  • Coverage of emergency unloading costs at intermediate ports.
  • Insurance of transport documentation.

 

Rail Transport Insurance

Intermodal transport relies heavily on railways. This form of cargo movement may appear safe and relatively risk-free. Nevertheless, rail transport insurance is essential due to the following risks:

  • Derailments and collisions.
  • Fires and explosions.
  • Thefts during stops.
  • Damage caused by vibrations during transit.
  • Losses due to delivery delays.

 

Air Cargo Insurance

Air transport is the final cargo shipping form. Air cargo insurance addresses the specific aspects of this type of freight:

  • Protection against mechanical damage during loading and unloading.
  • Coverage against pressure and temperature changes in cargo compartments.
  • Insurance for flight delays and resulting financial consequences.
  • Coverage for turbulence-related damage.
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RRAS Comprehensive Cargo Insurance Service in 5 Steps

RRAS goes beyond standard cargo insurance by providing comprehensive risk management throughout the entire supply chain. Our process includes the following five core steps:

 

1. Risk Analysis.

Conducting a detailed assessment of potential risks linked to your transport operations, considering cargo specifics, routes, and chosen transport modes.

 

2. Designing Insurance Coverage.

Creating tailor-made insurance solutions precisely aligned with identified risks and your company’s needs.

 

3. Negotiating with Insurers.

Our long-standing partnerships with leading insurers allow us to negotiate favorable cargo insurance terms for your shipments.

 

4. Claims Management Support.

In case of damage, our experts provide comprehensive support in claims processing, significantly reducing paperwork and hassle on your part.

 

5. Audit of Existing Solutions.

If you already have transport insurance, we’ll identify potential coverage gaps and cost optimisation opportunities.

Choose RRAS Cargo Insurance!

Our expert knowledge in transport insurance ensures precise protection of your business interests, regardless of operation scale or logistical complexity.

Types of transport and our offer

Our services include, but are not limited to:

  • Domestic and international transportation
  • Road, sea, air, and rail cargo transportation
  • Warehousing and warehouse logistics
  • Forwarding and insurance

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Contact us today to discuss your company’s individual transport insurance needs. Cooperation with RRAS guarantees professionalism and comprehensive protection for your cargo during transportation. Together we’ll develop the optimal risk management strategy!