Cargo
Covers damage and loss to goods while they are in transit, by road, sea or air.
What is Cargo and how does it work?
Cargo (transport) insurance covers damage and loss to goods while they move by road, sea, air or rail. Risks such as accident, rollover, fire, theft or damage during loading and unloading are covered under the conditions defined in the policy.
The policy can be written for a single shipment or as an annual open policy covering all shipments. Whether cover is all risks or named risks, packaging and loading conditions, and reporting deadlines directly affect payment.
Who is it for?
It suits businesses that send or receive goods, importers and exporters, e-commerce sellers and companies moving valuable cargo.
Core concepts in cargo insurance
Cargo insurance covers damage and loss that can occur while goods are moved from one place to another. There are different structures for road, sea, air and combined transport.
Cover breadth depends on the type of goods, packaging and route. The carrier's liability limits in a shipping contract are often below the real value of the goods; the policy fills that gap. After a loss, written notice to the carrier and keeping the documents speeds up the claim.
How does the process work with Santerna?
First we listen to your needs and budget. Then we collect suitable quotes from the insurers we work with and put the cover and conditions side by side in a simple table. You make the choice; after the policy is issued we track the renewal date and stand by you when a claim happens. You can reach us by phone, WhatsApp or by visiting our office.
What does it usually cover?
- Damage and loss during transport
- Risks such as accident, rollover and fire
- Per-shipment or annual open-policy options
What to look at when choosing
- Scope of cover (all risks or limited)
- Packaging and loading conditions
- Reporting and time obligations after damage
Frequently asked questions
Is the carrier's liability not enough to protect my goods?
The carrier's liability is often limited by law and may not cover the real value of the goods. Cargo insurance is based on the value of the goods.
What is an open policy?
It brings all shipments made over a period into one policy, so there is no need to issue a separate policy for each shipment.
What should I do if goods are damaged?
Document the damage in writing on delivery, send the carrier a written notice and tell us before any deadline passes. We run the paperwork with you.
Let us find the right one for you together.
Cover varies by insurer and policy; this page is general information.