Carriers Insurance
Carriers insurance is the cover that answers for someone else's freight. It is also the most misunderstood product in courier insurance, because carriers liability and goods in transit are used as though they mean the same thing and they do not. Which one you need is decided by your contract, not by preference.
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What carriers insurance covers
Carriers Liability Answers for Fault
It responds to what you are legally liable for when a customer's goods are lost or damaged in your care. If you were not at fault and your contract does not make you responsible, it may not respond at all. That is the crucial limit people miss.
Goods in Transit Answers for the Goods
It insures the freight itself against insured events, whoever was at fault. It is broader in that respect and correspondingly priced. Some contracts require it by name, and accepting a carriers liability policy where the contract says goods in transit is a breach even if nothing ever goes wrong.
Read the Contract, Not the Brochure
Head contractors and freight platforms set the cover they require, often with a named limit per consignment and sometimes a specific product. The contract is the specification. We work from it rather than selling a standard package and hoping it matches.
Limits Are Per Consignment, Not Per Year
A limit that comfortably covers an average load can be well short of a single high-value one. Set it against your largest consignment, and tell us if you occasionally carry something well outside your normal range, because that is exactly when a shortfall bites.
Excluded Goods Are the Usual Surprise
Most policies carve out categories: cash, tobacco, pharmaceuticals, live animals, high-value electronics, sometimes refrigerated goods. If you carry any of them, it has to be disclosed and specifically arranged rather than assumed to fall inside a general limit.
Subcontracting Shifts the Exposure
If you pass work to subcontractors, whose cover responds depends on how the contracts chain together. Operators are often liable for freight they never physically touched. Getting that mapped before you scale is far easier than after a claim.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Courier Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
What is carriers insurance and do I need it?
What is the difference between carriers liability and goods in transit?
How much carriers liability cover should I have?
Are all types of freight covered?
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Courier Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).