The 60-second version
Carrier liability insurance covers bailee liability when goods in custody are lost or damaged — returning NRIs running trucking or coastal feeder service need it alongside motor and cargo policies.
Motor policy may exclude cargo in custody — carrier liability fills bailee gap
Carrier liability insurance responds when goods in carrier custody are lost, damaged, or delayed during transit.
Returning NRIs operating trucking or coastal feeder fleets need carrier policy beyond standard motor third-party cover.
Multimodal lane: MTO guide if you also issue combined transport documents.
Carrier stack
| Policy | Covers | Does not cover |
|---|---|---|
| Carrier liability | Cargo in custody | Own vehicle damage |
| Motor TP | Third-party injury | Cargo loss |
| Motor OD | Own truck | Consignee claim |
| MTO | Multi-leg contract | Single truck only |
Purchase flow
Fleet size
Truck/coastal count.
Cargo class
General vs hazardous.
Get quotes
3+ insurers.
Bind policy
Before first trip.
Limit per kg
Match convention cap.
Stack
Carrier kit
- Fleet list.
- LR/GR template.
- Policy schedule.
- Claim hotline.
- Driver KYC.
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Convention limit
Carrier liability may cap per kg under Carriage by Road Act — top-up policy for high-value cargo.
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What to watch in real discussions
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Turn this guide into a decision file
0 of 4 checked
vs motor?
Motor TP covers bodily injury; carrier liability covers cargo in custody.
vs MTO?
MTO covers multimodal contract; carrier covers single-leg transport.
GST?
18% GST on liability insurance premium.
Claim?
Preserve LR/GR, POD, and surveyor report within policy timeline.
Hazardous?
DG cargo needs declared class — undeclared goods may void cover.
Sub-contract?
Verify policy covers hired truckers if you subcontract trips.
You've done the research. Now get the plan.
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