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Liability insurance

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Carriers’ liability insurance

Carriers can be liable for any type of damage that occurs to goods during loading or unloading, or while it is in transit. This applies to goods carried by road, rail, sea or air within New Zealand. Carriers’ liability insurance can help mitigate the risks and costs arising from damage to or loss of a customer's property.

Who needs carriers’ liability insurance?

Freight forwarders, forwarding agents, furniture removal companies, couriers, or anyone who, in the ordinary course of business, carries goods owned by someone else, could be liable for damage to the goods and possibly even for secondary damage resulting from their service.

Whether you operate a large national fleet, are transporting low risk or dangerous goods, a small fleet or owner driver, our brokers can help you identify the right insurance solution to help manage your risk.

What does carriers’ liability insurance cover?

We can provide cover for  different risk options:

  • Declared Value Risk: where the carrier agrees to be liable for a specified amount
  • Declared Terms: where the carrier agrees to terms negotiated by all parties
  • Owner’s Risk: where the contract states that the carrier shall not be liable for any accidental loss or damage to goods

Even if you carry cargo on the basis of ‘Owner’s Risk’, if you have an accident and the cargo gets damaged, you may still be liable for some cargo-related costs as the carrier. For example, cover can be arranged for removal of debris and any subsequent clean-up costs, plus additional costs that may be incurred to carry remaining goods to their destination.

Our brokers can help you get the right insurance sorted for your needs and if you need to make a claim, we advocate on your behalf to help you get a fair and prompt result.

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