By industry
Insurance for transport and logistics companies.
CMR liability, cargo, the fleet and the people behind the wheel — an insurance programme for hauliers, freight forwarders and warehouse operators.
A carrier is liable for the goods only up to the CMR limit — 8.33 SDR per kilogram, often far below what the cargo is worth. A forwarder is liable under its contract; a warehouse, for its customers’ goods. That is why the programme starts with the contracts, not the lorries.
Risks
What usually matters.
Cargo and CMRThe carrier’s liability under CMR, and cargo cover above the limit: theft, damage, delay, salvage costs.
FleetCasco and MTPL for tractor units and trailers on a single renewal date, with assistance along routes abroad.
Workplace accidentWorkplace accident cover for drivers, and the employer’s liability when they work abroad.
PropertyWarehouses, loading docks and customers’ goods — the warehouse-keeper’s liability and property at reinstatement value.
Trade creditFreight paid late by forwarders and shippers — limits per customer on long payment terms.
CyberTracking systems, and fraud through swapped bank details when freight is paid.
Where the gaps usually are
Not in the policy you don’t have, but in the terms of the one you already do.
- Cargo insurance covers the goods; CMR insurance covers the carrier’s liability. People often assume one replaces the other.
- Theft exclusions for stops at unguarded car parks — the most common reason a claim is declined.
- Subcontractors: is the journey still covered once the load is handed to another carrier?
- The policy limit is lower than the value of the most expensive load.
Tools
Do the maths yourself.
Questions and answers
Is CMR insurance compulsory?
The CMR Convention itself does not oblige a carrier to hold insurance, but forwarders and shippers almost always require it in the contract. Without it, the carrier pays claims up to the limit out of its own pocket.
Does a CMR policy cover the full value of the goods?
No — only up to the carrier’s limit of liability (8.33 SDR/kg), unless a higher value or a special interest in delivery has been declared under art. 24 and art. 26 CMR. The gap for the cargo owner is covered by cargo insurance.
Can one policy cover the whole fleet?
Yes. A fleet policy with a single renewal date simplifies administration, and new vehicles are added by notification.
Next step
Request a quote
Briefly describe your business. We will review what you have and seek quotes from several insurers with an identical brief.
- Phone
- 0883 990 906 · Viber
- info@inscenter.bg
- Address
- 46 Akad. Stefan Mladenov St., office 13A, floor 6, section A, Sofia
- Opening hours
- Mon – Fri, 9:00 – 17:00
