Carrier Legal Liability Insurance
For transporters: cover for your liability for goods in your care.
When goods are damaged or stolen on the road, the owner can hold the transporter responsible. Carrier legal liability insurance protects transport companies and fleet owners against these claims, so one accident or theft does not cost you a customer and your savings.
Who needs it
- Transport companies and fleet owners
- Logistics, courier and parcel operators
- Goods transport agents
What's covered
Loss or damage to goods carried
From accident, fire, overturning and theft during transit.
Transit halts and godowns
Goods held temporarily during transit, as per policy.
Legal costs
Costs of defending claims, within limits.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Goods carried without proper booking documents (LR / consignment note)
- Improper packing and inherent vice of the goods
- Delay and loss of market
- Prohibited, hazardous or undeclared goods
Popular add-ons
Goods in warehouse
Extended cover for goods stored in your warehouses.
Documents checklist
To get a quote or buy
- Fleet details and routes operated
- Annual freight turnover
- Types of goods carried
- Sample lorry receipts and past claims
To make a claim
- Claim notice from the goods owner
- Lorry receipt and invoice
- FIR (accident or theft) and survey report
- Driver's licence and vehicle documents
Frequently asked questions
The goods owner has marine insurance. Do I still need this?
Yes. The owner's insurer can recover the loss from you. Carrier legal liability covers your liability.
Does it cover my trucks?
No. Your vehicles need commercial vehicle (motor) insurance.
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ExploreNot sure what you need?
Tell us about your family or business and we will suggest the right cover, in plain language.
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