Cargo insurance

Since the 1800s, legislation has allowed carriers and other bailees for reward to limit their liability for loss of or damage to goods in their care custody and control, but over time the burden of proof has shifted increasingly to the benefit of the goods owner.

More recently, carriers and logistics operators have faced ever more burdensome contractual terms being imposed on them by their larger, more demanding customers.

The evolution of freight insurance has seen significant change in recent years, which has seen the movement from the traditional recognised conventions which limit liability, to more bespoke contractual agreements. This has been largely driven by the growth in competition, with carriers now having to carry the burden of increased customer demand resulting in increased litigation with costly disputes over the terms and condition of contracts.

At Everywhen we can help you navigate this specialist field of insurance from the structure of a program to dealing with claims.

We know that businesses like yours don’t have time to keep checking the detail of your bespoke contracts and insurance cover every time a new opportunity comes your way. So, we have created a combined policy that can suit the specific needs of your business.

That includes industry-specific extensions:

• Freight liability

• Cargo (seller’s interest)

• Stock throughput

• Employers', public and product liability cover

• Property and business Interruption cover

• Professional indemnity

• Cyber liability

• Directors and officers

• We can also provide cover for all types of vehicles from mini fleets van to large multi modal transport operations.   

Our offering also specifically provides contractual liability insurance – with a reputable insurer who will also provide a free contract review service, both are not simply available in the general market. This encompasses broad coverage, and effective balance sheet protection for worldwide inventory and transits.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.