CONTINGENT LIABILITY INSURANCE

Cover for the transport you arrange.

We help South African transport brokers review their contracts, subcontractor insurance, and contingent liability cover, with practical guidance tailored to how their business operates.
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YOUR ROLE IN THE TRANSPORT CHAIN MATTERS

As a transport broker, you arrange the movement of goods through other transporters. Understanding your role means looking at the commitments you make to customers, the subcontractors you appoint and the insurance supporting those arrangements.

Contingent goods-in-transit liability cover may help address certain cargo claims when a subcontractor’s insurance does not pay or leaves a shortfall. Whether it responds depends on your liability, the circumstances of the loss and the policy’s terms, limits and exclusions. Inscorp helps you review these arrangements before recommending cover.

WHO WE ASSIST

We assist South African businesses that arrange transport through other carriers, including:

• Transport brokers who subcontract loads
• Logistics businesses that coordinate transport for customers
• Freight forwarders who arrange road transport
• Transport operators who subcontract some of their loads

If your business uses both its own vehicles and subcontractors, we help you review the goods in transit and contingent cover needed for each part of the operation.

WHAT WE REVIEW BEFORE ARRANGING COVER

Before arranging contingent liability cover, we look at how you accept loads, appoint subcontractors and agree responsibilities with customers. These six areas help us understand your operation and identify what needs to be addressed in the insurance.

YOUR ROLE AND CONTRACTS

We review how you arrange transport and the responsibilities you accept in customer and subcontractor agreements. This helps us understand your role in the movement of goods and discuss whether the proposed cover addresses those responsibilities.

SUBCONTRACTOR INSURANCE

We review the insurance information you obtain from subcontractors, including their load limits, insured goods, territorial cover and relevant conditions. We also discuss how you check that cover remains current when allocating loads.

GOODS AND LOAD VALUES

We look at the goods you arrange transport for, the highest value carried on a single load and any special handling requirements. This helps us assess suitable limits and identify commodities that need specific agreement with the insurer.

ROUTES AND HANDOVERS

We review where the goods travel, including cross-border routes, collection points, deliveries and any storage along the way. We also look at handovers between carriers so these arrangements can be discussed with the insurer.

POLICY TERMS AND CONDITIONS

We review when the proposed contingent cover can respond, its limits, excesses and exclusions, and the requirements your business must meet. We explain these in relation to your operation so you can make an informed decision about the cover.

RECORDS AND CLAIMS PROCEDURES

We discuss how you keep load instructions, subcontractor details, insurance confirmations and delivery records. We also explain the policy’s claim notification requirements and the information an insurer may request when assessing a cargo loss.

KEEP COVER IN STEP WITH THE LOADS YOU ARRANGE

A new customer, a higher-value load or a different route can change what your business needs from its insurance. Keep your broker informed as these arrangements change, so they can be reviewed with the insurer.

Speak to us when you:

• Start arranging transport for different types of goods
• Accept loads with values above your current policy limit
• Add new routes or cross-border destinations
• Agree to new customer or subcontractor contract terms
• Introduce storage or additional handovers between carriers
• Begin carrying goods in your own vehicles as well as arranging subcontracted transport

A subcontractor’s insurance confirmation is a useful starting point. It should be reviewed alongside the actual load, your responsibilities and the requirements of your own policy.

WHY WORK WITH INSCORP?

We take time to understand the transport you arrange.

We ask practical questions about your customers, contracts, subcontractors and loads before recommending contingent liability cover. We explain relevant policy conditions, highlight matters that need clarification with the insurer and help you keep your insurance information current as the business changes.

The information on this page is general. Recommendations depend on your operation and the proposed policy wording. Cover remains subject to insurer underwriting and the applicable terms, limits, excesses and exclusions.

The Risk Always Feels Distant….. Until It Becomes Yours.

Let’s review your contingent liability cover alongside the contracts, subcontractors and loads your business works with today.

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