The 60-second version
Stevedore liability insurance covers legal liability from stevedore negligence causing cargo damage, crane accident, or dockworker injury during loading — returning NRIs as cargo owner need cover alongside cargo owner and port policies.
Stevedore contract may cap liability — standalone policy funds cargo owner claim above stevedore limit
Stevedore liability insurance responds when stevedore negligence damages cargo, causes crane collapse, or injures dockworker during loading or discharge.
Returning NRIs shipping bulk cargo through Indian ports need stevedore layer alongside cargo owner liability — stevedore contract and COI are bind evidence.
Cargo owner lane: cargo owner guide for shipper negligence layer.
Stevedore stack
| Policy | Covers | Does not cover |
|---|---|---|
| Stevedore liability | Cargo + injury | Voyage delay |
| Cargo owner | Shipper negligence | Stevedore error |
| Port liability | Berth infra | Cargo damage |
| Heavy lift | OOG cargo | Routine load |
Purchase flow
Stevedore COI
Verify limits.
Cargo survey
Pre-load condition.
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3+ insurers.
Bind policy
Before ops.
Load log
Tally record.
Stack
Stevedore kit
- Stevedore contract.
- COI certificate.
- Policy schedule.
- Cargo tally.
- Claim hotline.
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Contract cap
Stevedore contract may cap liability at low amount — your policy should excess of stevedore insurance and contract limit.
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0 of 4 checked
vs cargo owner?
Cargo owner covers shipper negligence; stevedore liability covers third-party stevedore error damaging your cargo.
vs port liability?
Port liability covers berth infrastructure; stevedore liability covers loading operations and cargo handling.
Stevedore COI?
Policy should excess of stevedore insurance certificate — verify limits match contract.
GST?
18% GST on marine liability premium.
Heavy lift?
OOG cargo may need heavy lift policy in addition — see heavy lift guide.
Claim?
Preserve cargo tally, stevedore contract, and damage survey within policy timeline.
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