Inscorp Insurance Brokers

Your goods are on the road… but who is responsible for them?

When goods leave your premises, the journey may involve more than one party.

There may be a cargo owner.
A transporter.
A subcontractor.
A driver.
A loading point.
A delivery point.
And a set of documents that may become very important if something goes wrong.

This is why Goods in Transit insurance should not only be seen as “the load is insured.”

It is important to understand who is responsible for the goods while they are being transported, what agreement is in place, and whether the policy wording matches the way the transport is actually being done.

This becomes even more important where subcontractors are used.

Before goods are transported, it helps to ask:

* Is there a clear agreement between the cargo owner and the transporter?
* Does the transporter’s policy allow the use of subcontractors?
* Does the subcontractor have suitable cover in place?
* Are there route, tracking or security requirements?
* What documents may be needed if there is a loss?
* Where could Contingent Liability apply if another party’s cover is insufficient?

It is not enough to know that cover exists.

You need to understand how that cover responds.

In transport insurance, the responsibility behind the load can matter just as much as the load itself.

Inscorp Insurance Brokers is an authorised FSP: 43796.

Contact us for professional assistance.

www.inscorp.co.za
012 661 3007
[email protected]

The storm may pass… but the admin can feel endless

When severe weather hits, most of us first look at the visible damage.

The leaking roof.
The water coming through the ceiling.
The damaged gate.
The fallen tree branch.
The wet carpets.
The damaged stock or equipment at a business premises.

But once the weather clears, the insurance process often begins.

This is where clear information can make such a difference.

Whether it is your home, vehicle, contents, small business or commercial property, it helps to keep record of:

* Photos of the damage
* When the damage happened
* What emergency steps were taken
* Invoices or quotes for urgent repairs
* Maintenance records, where available
* Any damage to contents, stock, equipment or business operations

In personal lines, this may affect your home, household contents, vehicles, gates, walls, outbuildings or electronic items.

In commercial insurance, it may also affect stock, machinery, access to the premises, deliveries, income, business interruption and the costs involved in keeping the business running.

This is why knowing what to expect makes the claims process so much easier.

A broker’s role is not only to report the claim, but also to help guide the process, explain what information may be required and assist with communication between the client, insurer, assessor and service providers.

The storm may pass.

But the recovery process may continue long after the weather has cleared.

Contact us for professional assistance.

www.inscorp.co.za
012 661 3007
[email protected]

Inscorp Insurance Brokers is an authorised FSP: 43796.

A flood doesn’t care what your policy schedule says.

The Eastern Cape has faced devastating floods before, and again we are seeing roads collapse, bridges washed away, vehicles overturned and businesses brought to a standstill.

The real risk is often not only the damage to your building or vehicle.
It’s the interruption afterwards.

* Suppliers can’t reach you
* Fleets can’t move
* Deliveries stop
* Staff can’t get to work
* Infrastructure fails

For many businesses, survival depends on more than repairing physical damage.

Insurance should never be treated as a document filed away once a year.
It should form part of your business continuity and risk planning.

Because risk usually builds quietly long before the storm arrives.

Contact us for a professional risk assessment.

www.inscorp.co.za
012 661 3007
[email protected]