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CMR Insurance

CMR Insurance

CMR Insurance — Carrier Liability

The CMR Convention is the legal framework defining the carrier's liability for goods in international road transport. CMR insurance secures this legal liability, ensuring obligations are met for any damage or loss in road shipping.

CMR Liability Limits

Under the CMR Convention, the carrier's liability is limited to 8.33 SDR/kg gross weight (~12 USD/kg). For high-value cargo this limit may be insufficient; in those cases All Risks marine cargo insurance is recommended in addition.

Coverage Details

  • Damage / loss during transport
  • Cargo damage during loading and unloading
  • Delay-in-delivery compensation
  • Misdelivery and non-delivery
  • Theft and robbery (with special clauses)
  • Fire, collision, capsizing

Who Needs It?

  • International road carriers (TIR operators)
  • Logistics companies and freight forwarders
  • 3PL (third-party logistics) providers
  • Specialised transport operators

Additional Cover

Alongside the standard CMR policy, partner insurers can add delay, additional refrigeration, ADR cargo, alcohol/tobacco valuable goods, customs guarantee coverages tailored to the operational profile. ADR transport requires special CMR clauses.

Related Services

For a CMR policy quote, contact us.

Frequently Asked Questions

What is CMR insurance and what does it cover?
CMR insurance is a carrier-liability policy that secures the carrier's legal liability for goods under the CMR Convention in international road transport. It covers damage or loss during transport, cargo damage during loading and unloading, delay-in-delivery compensation, misdelivery and non-delivery, theft and robbery with special clauses, plus fire, collision and capsizing. This ensures the carrier's legal obligations are met in any road-shipping damage or loss event.
What is the carrier's liability limit under CMR insurance?
Under the CMR Convention, the carrier's liability is limited to 8.33 SDR per kilogram of gross weight, roughly 12 USD/kg. This cap defines the maximum compensation payable for damage or loss and is calculated on the cargo's weight rather than its value. For high-value cargo the limit may fall below the goods' actual value, which is why additional cover should be considered alongside the CMR policy.
Who needs CMR insurance?
CMR insurance is needed by any operator carrying goods internationally by road. This includes international road carriers (TIR operators), logistics companies and freight forwarders, 3PL (third-party logistics) providers, and specialised transport operators. Because the CMR Convention imposes legal liability on the carrier for the goods, securing that liability through a CMR policy is commercially essential for every company performing cross-border road transport.
Is CMR insurance alone sufficient for high-value cargo?
No — for high-value cargo, CMR insurance alone is often insufficient. Because the CMR Convention caps compensation at 8.33 SDR per kilogram of gross weight (about 12 USD/kg), goods whose value per kilogram exceeds this limit cannot be fully indemnified under the carrier's liability. In such cases, All Risks marine cargo insurance is recommended in addition to the CMR policy, so that cover reflects the cargo's actual value.
What additional coverages can be added to a standard CMR policy?
A standard CMR policy can be extended with delay, additional refrigeration, ADR cargo, alcohol/tobacco valuable goods, and customs guarantee coverages, tailored to the carrier's operational profile. ADR (dangerous goods) transport specifically requires special CMR clauses, so carriers handling hazardous cargo must ensure these are included. Selecting the right clauses aligns the policy scope with the risks the carrier actually assumes in its operations.

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