Traffic liability insurance
Transport liability insurance protects transport companies and logistics service providers against the financial consequences of claims for damages that arise in road traffic.
Protection for transports and companies
Traffic liability insurance - what is it?
In the field of transportation and logistics, companies are exposed to a variety of risks on a daily basis. Damage to transported goods or third-party property can result in high compensation claims. Transport liability insurance offers optimum protection against the financial consequences of these risks.
Facts & Figures
FAQ on traffic liability insurance
We have summarized the most frequently asked questions on the subject of transport liability insurance for you in our FAQ. However, our experts will also be happy to provide you with individual advice.
This insurance is particularly important for transport and logistics companies, as they bear a high level of responsibility for the safety of people and goods in their daily operations. Without this insurance, claims for damages could jeopardize the existence of the company.
The insurance covers damage caused by the operation of the insured vehicles, including
- Personal injury: costs for medical treatment, compensation for pain and suffering, loss of earnings and pension payments
- Property damage: repair or replacement costs for damaged or destroyed property
- Financial losses: financial losses incurred as a result of personal injury or property damage
As a rule, the following are not covered
- Own damage to the vehicle (this is covered by comprehensive insurance)
- Damage caused intentionally
- Damage caused under the influence of alcohol or drugs
- Damage caused by the transportation of dangerous goods without special insurance
Yes, there are specialized insurances for different types of transport, such as
- Transportation of dangerous goods: additional cover for the transportation of dangerous goods
- Refrigerated transportation: cover for damage caused by failure of the cold chain
- Groupage transport: insurance for transports in which goods from several shippers are grouped together
Fleet insurance is a special form of transport liability insurance that combines several of a company's vehicles in one contract. This can lead to more favorable conditions and simpler administration.
Dangerous goods insurance offers special protection for the transportation of dangerous goods. It covers risks arising from the transportation of chemicals, fuels or other hazardous materials.
Yes, additional requirements and insurance may be necessary for international transportation, e.g. the Green Card (International Insurance Card) or special insurance for certain countries and regions.
CMR insurance is a liability insurance for cross-border transportation within the CMR states (Convention on the Contract for the International Carriage of Goods by Road). It covers liability claims arising from international transportation.
Further insurance solutions
In addition to transport liability insurance, we also offer numerous other insurance solutions that could be of interest to you.
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