The 60-second version
General average liability insurance covers cargo owner's GA contribution and salvage security — returning NRIs importing or exporting bulk cargo need cover alongside cargo and carrier liability policies.
GA bond blocks cargo release — GA liability policy funds contribution before customs clearance
General average liability insurance responds when vessel master declares GA and your cargo must contribute to salvage or extraordinary expense before release.
Returning NRIs importing steel or exporting rice on coastal feeders need GA cover alongside cargo owner liability.
Cargo lane: cargo owner guide for shipper negligence layer.
GA stack
| Policy | Covers | Does not cover |
|---|---|---|
| GA liability | Contribution + bond | Cargo loss |
| Cargo insurance | Physical loss | GA contribution |
| Carrier liability | Carrier negligence | GA declaration |
| Collision | Third-party PD | GA bond |
Purchase flow
Cargo class
Bulk / breakbulk / box.
Voyage route
Coastal / deep sea.
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Bind policy
Before shipment.
GA clause
York-Antwerp Rules.
Stack
GA kit
- Policy schedule.
- B/L copy.
- GA bond form.
- Surveyor contact.
- Claim hotline.
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Bond timing
GA adjuster may demand cash or bank guarantee within 48 hours of declaration — policy should include bond facilitation hotline.
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Turn this guide into a decision file
0 of 4 checked
vs cargo insurance?
Cargo insurance covers physical loss; GA liability covers contribution to common peril expense.
vs carrier?
Carrier liability covers carrier negligence; GA covers statutory contribution regardless of fault.
GST?
18% GST on marine liability insurance premium.
Claim?
Preserve GA declaration, adjuster letter, and bond receipt within policy timeline.
Coastal?
Indian coastal cargo subject to same GA rules as deep-sea under Indian Carriage of Goods by Sea Act.
Limit?
Match contribution cap to typical cargo value per bill of lading.
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