Cargo Insurance

Cargo insurance addresses financial exposure associated with goods in transit, subject to the terms of the policy arranged. It should be considered separately from the transport provider's liability, which may be limited and may not reflect the full commercial value of a shipment. FSC supports customers in identifying the cargo, route and handling information needed for insurance discussions. The objective is to help customers understand the proposed cover in relation to their movement, not to suggest that every loss, delay or operational disruption will necessarily qualify for a payment.

The starting point is an accurate description of what is moving and the value to be declared under the applicable insurance basis. Commodity, packaging, transport mode, transhipment and storage stages can all be relevant to the assessment. Customers should disclose unusual handling requirements and known circumstances that may influence the terms offered. We help coordinate these details and draw attention to the need to review exclusions, deductibles and any conditions attached to cover. Responsibilities under the sales contract also matter when determining which party should arrange protection for the journey.

If damage or loss is discovered, prompt notification and careful evidence handling can be important to the claims process. FSC assists with the coordination of available shipment records and relevant communications within the agreed scope, while the policy sets the applicable notification and supporting document requirements. Customers should retain packaging, photographs and delivery records where appropriate and follow the insurer's instructions. A claim remains subject to assessment under the policy; helping assemble information or communicate with the relevant parties does not determine acceptance, settlement value or the timing of an outcome.