Your sector

Transport and logistics: tracking goods at every stage

The journey is only part of the risk: loading, storage and delivery matter too.

Starting from what you actually do.

A vehicle, its load and goods entrusted to you are not a single insured item. Your activities may combine transport, storage, order preparation and delivery, with different client commitments. We follow this journey to identify the policies to review at each stage.

Your actual fleet and goods flows matter as much as the declared values. A new route, temporary depot or additional subcontractor: these changes deserve a review without waiting for the next renewal.

In your day-to-day work

Three situations to examine

01
The load changes
You are entrusted with more sensitive or higher-value goods. Check ownership, commitments to the client and handling operations before assuming your usual transport cover is sufficient.
02
Goods remain away from the depot
Parking, transit or a delayed delivery extends one stage of the journey. Clarify the locations, periods and measures required for each relevant area of cover.
03
An interruption stops deliveries
A vehicle or handling equipment becomes unavailable. Review replacement options, operating costs and the consequences of client commitments separately from the physical damage.

Points to watch

Carrier's liability and goods in transit insurance: distinguish their bases and limits, including when a subcontractor is involved.
Loading and unloading: Suva highlights handling hazards, organisation and trained employees; prevention remains separate from compensation.
Employees and the actual fleet: check drivers, uses, equipment and employee information against the applicable policies.

How we support you

We map goods flows with your managers, then compare vehicles, goods and depots with the policies. Questions about values, routes and subcontracting are put to insurers with consistent documentation. When an event occurs, we help you gather supporting documents and references, distinguish the different types of loss and follow up exchanges with insurers.

Documents to prepare

Actual fleet, drivers and the activities of each vehicle
Routes, depots and handling stages
Values transported and goods owned or entrusted to you
Client commitments and subcontracting contracts
Policies, notifications and replacement options

Frequently asked questions

Your questions

Does comprehensive motor (casco) insurance cover goods being transported?

Do not assume so. The vehicle and the goods are separate items to check, each with its own values, insured events and deductibles.

What needs to be specified for goods entrusted to you?

Identify the owner, values, client commitments and stages during which you bear the risk. Then review the corresponding cover and responsibilities.

Does subcontracting remove our exposure?

Not automatically. Your client contract and the subcontractor's contract need to be compared to identify the commitments and insurance arrangements to coordinate.