Inland Marine vs. Cargo Insurance: What’s the Difference?
Cargo insurance protects goods in transit for their owner; carrier-liability coverage protects the transporter against its legal responsibility.
The shipper’s policy protects the goods directly; the carrier’s policy responds to the transporter’s legal responsibility.
Confirm who owns the goods and when transit begins and ends. Check loading, unloading, storage, subcontractors, international routes, and per-shipment limits against your contract’s risk-of-loss terms.
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