¿Cuáles son los tipos de seguro de carga más comunes para el transporte de mercancías?

Freight insurance and transportation of goods (land, sea and air) is an insurance by which the insurer undertakes to receive the insurance fee from the insured in the event that during the transportation of goods from one point (origin of transportation of goods) to another point (destination of transportation of goods) , due to the occurrence of the risks of the subject of insurance, the goods are lost or damaged, or the insurer incurs costs related to these risks, to compensate for all the damages. In addition, in some cases, damages to third parties are compensated through this insurance.

Cargo insurance is a type of insurance that protects shipments from loss, damage, or theft while in transit. It can be purchased for shipments transported by air, sea, or land. Cargo insurance policies typically cover a wide range of risks, including: Natural disasters: storms, floods, earthquakes, etc. Vehicle accidents: collisions, rollovers, etc. Cargo abandonment: the carrier leaves the cargo behind without notifying the shipper. Customs rejection: the cargo is refused entry into a country by customs officials. Acts of war and piracy: attacks on ships or cargo by pirates or other hostile forces.

Uma coisa que todos os profissionais de logística e SCM devem saber, é que seguro de carga consiste numa proteção que é aplicada sobre a carga que é comprada e sujeita a ser transportada de um ponto A para um ponto B. numa eventualidade de surgir algum incidente este valor pago como seguro poderá cobrir todas as despesas inerentes a perca…

All-risk cargo insurance: This type of insurance provides the broadest coverage, covering all losses and damages except for those specifically excluded in the policy. Named perils cargo insurance: This type of insurance covers only the specific perils named in the policy. All other losses and damages are excluded.

All-risk insurance: This is the most comprehensive level of cargo insurance, covering all losses and damages except for those specifically excluded in the policy. This is typically the most expensive option, but it provides the highest protection for your cargo. Named perils insurance: cargo insurance covers only the specific perils named in the policy. All other losses and damages are excluded. This is typically cheaper than all-risk insurance, but it provides less comprehensive coverage. Free of particular average (FPA) insurance: This is the least comprehensive level of cargo insurance, covering only total loss or constructive total loss of the cargo. This is the cheapest option, but it provides the least protection for your cargo.

The value of your cargo: If you are shipping high-value goods, you will need to purchase more comprehensive insurance coverage. The mode of transportation: Different modes of transportation have different risks associated with them. For example, air cargo is more susceptible to damage from turbulence and bad weather. The destination: Some countries are more prone to natural disasters or political instability than others. If you are shipping to a risky destination, you will need to purchase more comprehensive insurance coverage. The nature of your cargo: Some goods are more susceptible to damage than others. For example, electronics are more susceptible to damage from water and vibration

Factors Influencing Choice of Insurance: • Transportation Mode: Ensure your insurance covers specific transportation methods, whether sea, air, road, or a combination. • Destination Risks: Different destinations may have their own sets of risks due to political, economic, environmental, or geopolitical factors. For instance, routes through unstable regions might demand specialized coverage. • Value & Nature of Cargo: Expensive cargo might warrant a more comprehensive insurance plan. Additionally, consider the evolving nature of threats, such as cyber risks which can compromise digital logistics systems. • Frequency of Shipments: If you ship frequently, certain insurance types, like open cover, may be more cost-effective.