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Logistics liability insurance—logistics transportation is more safe and carrier is more assured

The logistics industry as a national focus on the development of industry, the national

economic development of the state government in the blood, "13th Five-Year plan" outline

was eighteen times mentioned "logistics", from each aspect of the national economic

development plan and key points of development. For the logistics industry, the future will

be an era of further optimization of the industry, more perfect infrastructure, more clear

direction, and continuous improvement in service capacity.

But in such a beautiful prospect, we must also note that the logistics industry is also a high

risk industry, in every aspect of logistics, transportation, warehousing, distribution,

packaging, handling, distribution processing and information providing a full risk of

property damage and personal injury to customers or others, and the resulting loss often

makes the logistics enterprises under great economic pressure.

enterprise may face the claim of the actual value of the goods, and will bear the

responsibility that does not belong to itself. How to realize risks, prevent risks and avoid

losses is a problem that every logistics industry should face. Enterprises should not only

focus on making money, but also on how to avoid losing money in the process of making

money.

Thus it can be seen that the development of the logistics industry is inseparable from the

support of the insurance industry.

Losses

In the process of providing logistics services, logistics enterprises often have the following

losses:

1, the loss of their own property, such as their warehouses, vehicles, containers and other

warehousing, and transportation tools.

2. Liability risk, the liability for damages caused by the loss of property or personal injury

to the customer or others due to his own fault;

3, business risks, for example, because of policy reasons, changes in the exchange rate

of the city or the commercial losses caused by the bankruptcy and liquidation of

customers.

Generally, the first kind belongs to the scope of the insurance of logistics property

insurance; the second is underwritten by the logistics liability insurance.

For the commercial risk of the logistics enterprise, it can not be compensated by the way

of insurance.

Thus, the logistics liability insurance is the guarantee of the risk of logistics responsibility

and one of the most important types of logistics insurance.

Risk

From the stage of logistics service, the liability risk of the logistics company mainly comes

from the following processes

(1) the process of transportation.

The logistics company is the most important liability risk in transportation because of the

failure of its own work, the loss of the goods, the wrong shipment and the wrong delivery.

If the logistics company is transported to other carriers, then the logistics company should

also be responsible for the damage, loss or miscarriage of the goods due to the

negligence of other carriers.

In addition, if the logistics company causes property damage or personal injury to others

in the course of its own transportation, it is also responsible for the damages to the third

party.

(2) the handling and handling process.

Loading and unloading activities are often an important cause of loss of customer's goods.

In addition, in the process of handling and handling of other people's property loss or

personal casualties, logistics companies also have to take responsibility.

(3) storage process.

It is possible for the logistics company to take responsibility for the customer because of

the damage of the warehouse, the inflow of water, the bad ventilation, the failure of regular

arrangement and maintenance.

(4) the process of circulation processing and packing and distribution.

The logistics company is responsible for the loss of property or personal injury and death

in the process.

(5) the information service process.

Logistics companies may be responsible for errors in goods delivery, distribution,

transportation and other errors due to information errors or delays.

Logistics liability insurance

The logistics liability insurance means that the insured is liable for the loss of the goods in

the course of the operation of the logistics business due to the prescribed reasons, which

is liable for the liability of the insured according to the law. The insurer is responsible for

the compensation according to the insurance contract's agreement.

Logistics liability insurance can provide customers with comprehensive guarantee for the

third party logistics business. It is a new insurance product that fits the development trend

of modern logistics industry.

Basic insurance liability

From the object of responsibility, including logistics liability insurance to customers

(logistics contract) legal responsibilities, including the legal liability of the third party.

For example, the logistics company due to errors caused by the damage to the goods lost

or wrong wrong transport, wrong delivery, belong to the legal responsibility for the

customer; and logistics company, causing damage to property of others during transport

or human casualties, it belongs to third people for damages. In the narrow sense, the

logistics liability insurance only refers to the insurance of the third party's liability for

damages.

In terms of the nature of the damage, logistics liability insurance is a type of logistics

insurance, and it is the insurance guarantee for the risk of logistics responsibility.

Logistics liability insurance VS cargo transportation insurance

cargo transportation insurance Logistics liability insurance
Insurance attribution Property insurance Liability insurance
Insurant It may be the buyer and the seller in the trade contract, and the partial insurance company agrees that it can be agreed to be the logistics enterprise Various kinds of logistics enterprises
Guarantee objec Loss of goods Logistics enterprises are liable for compensation for loss of goods
Premium calculation method Freight value * freight insurance premium rate It is difficult to determine the value of goods for logistics enterprises The annual operating income of logistics enterprises * logistics liability insurance rate. Business income is better for logistics enterprises
The degree of protection The liability of insurance is wider and the scope of security is short Insurance liability is slightly narrow, but the scope of insurance is longer
Compensation method Loss compensation method, insure payment in proportion The first risk compensation, compensation limits on how much to pay how much damage
Risk transfer The transfer of the insured goods in transit risk Transfer of liability for damage to goods in logistics enterprises
Maximum amount of compensation for each accident To declare the amount of insurance Agreed compensation limit

Specialty and science and technology make insurance more simple

Shenzhen Myonline Insurance Brokers Co., Ltd. focuses on the trade chain, focuses on

the cargo insurance business, and has rich experience in the industry. It is not a simple

sale of insurance products, but also provides you with integrated risk management

services such as risk management consulting, insurance procurement and insurance

claims.

At the same time, Myonline Insurance Brokers can completely eliminate the complex

claims process, reduce the waiting, more professional advisers help, greatly shorten the

claim cycle. The logistics enterprises in the insurance if there is any need, please call

0755-8305 6217, Myonline Insurance Brokers will be according to the customer's risk,

provide a complete enterprise risk analysis, risk management solutions to customize

according to the needs of different.