Describe the service chain
Road, sea and air movements, freight forwarding, storage and subcontracted services need a clear operational description. We consider where your work begins and ends, the counterparties involved and the terms under which you operate.
Separate cargo and liability questions
Responsibility for goods is not the same as insurance of the goods themselves. We consider the operator’s role and applicable contracts when discussing liability cover. Cargo interests, property, vehicles and other operational exposures may require separate consideration.
Review subcontractors and contracts
Subcontracting, contractual limits and obligations assumed beyond standard terms can affect the insurance discussion. We seek clarity on the agreements used, control over subcontractors, typical goods, turnover and claims information before comparing proposed arrangements.
Keep the business in view
Changes to routes, services, warehouses or cargo types should be raised during the insurance review. The aim is a programme that reflects the declared operation, with clear limits, exclusions, document requirements and notification procedures. Actual cover remains subject to insurer acceptance and policy terms.