As a mobile, transient activity, the transport of goods involves a number of risks. Accidents resulting in damage to goods, dropping or rolling, loss of goods and failure to deliver them to the unloading point are some of the situations in which you should have a safety net.

Each of these risks can occur during shipments, and to be best covered in unpleasant situations, you will need to consider several factors on which the choice of the best insurance option may depend.

You can opt for standard CMR insurance, which covers the usual transport risks, namely damage to goods, delays due to causes beyond the drivers’ control and the inability to unload them on time, if your business does not involve obvious dangers.

For extreme cases, however, which require thorough insurance, in the case of long transports, which may run into wider problems, you can consider a customised CMR insurance, which includes the usual risks and particular situations.

What particular situations can CMR insurance options cover?

In some cases, your shipments, goods and drivers may find themselves in more complicated situations due to unforeseen factors beyond human control:

– natural disasters: earthquakes (seismic movements), landslides, storms, tornadoes, lightning

– situations where roads or unloading points are closed due to epidemics or other problems based on medical considerations

– fires caused by electrical discharges, damaged goods in such situations

– problems arising as a result of the failure of working systems at customs points

– strikes which may affect the goods transport system.

Additional insurances you should consider when determining CMR insurance

Most of the time CMR insurance covers internal transport routes, but in some cases external routes may also be insured. It is important that insurance covers all aspects of transport, trucks and freight, as well as drivers and subcontractors.

Transport is one of the most tried and tested areas, the liability being quite high for businesses that practically live from freight transport on different routes. For this reason, risks must be correctly identified so that the choice of options can be made accordingly.

What types of transport can be insured?

Any type of transport can be covered by a CMR Leader Team insurance policy, and the value of the policy is determined according to the object of activity, the type of transport and the type of exposure.

Thus, the value of a policy can vary and the amounts can be adapted or calculated to cover the need for financial protection in case of incidents. Also, policy amounts can be increased if we are talking about very important transports, such as the transport of cars, IT objects, electronic parts and equipment, but also medicines and their derivatives.

An important aspect is also the period for which CMR insurance can be taken out, with a standard duration of 12 months, but with the possibility of renewal.

What are the situations that a CMR insurance does not cover?

Although CMR insurance does have some limitations, but these relate to faulty preparation of goods. Thus, the exceptions that CMR insurance cannot cover are:

– careless or defective packaging of goods requiring transport

– uninsured stacking of goods

– transport prohibited by law, trade shipments or illegal trafficking activities

– war situations, strikes, epidemics that may block transport routes

– financial shortcomings: insolvency, debts owed to land or sea transport operators, other unfulfilled obligations to them under the contracts.

CMR insurance is a product that can help you protect your goods and merchandise during transport, regardless of their type and regardless of the transport routes.

Your assets are important, which is why it is vital to protect your goods. CMR insurance covers shipments from the moment they are loaded, during transport and until they are delivered to the final beneficiaries.

Leader Team offers you real-time support and helps you choose exactly the right products for you, helping you to keep your business, trucks and cars safe, so that the goods you transport arrive safely to the beneficiaries.