Reference library
Everything here restates a published instrument — a carriage convention, a statute, the Institute Cargo Clauses, the Incoterms rules, the letter-of-credit rules — and links to the source so you can check it. Where we could not source something, it is not here.
What the carrier owes
The treaty caps, the deadlines, and why a recovery is not the same thing as cover.
Carrier liability limits by mode
Hague-Visby, Hamburg, CMR, CIM, Montreal and COGSA — the published caps, cited to article.
Read →Forwarder liability is not insurance
What standard trading conditions actually promise, and how the cap is calculated.
Read →Subrogation and recovery
How the insurer recovers on your rights, and the six things that keep that recovery alive.
Read →What the cover does
Clause levels, exclusions, duration, deductibles and the structures cargo is written on.
Exclusions, clause by clause
Clauses 4 to 7 of the Institute Cargo Clauses, including the one exclusion (B) and (C) carry and (A) does not.
Read →When cover starts and stops
Clause 8, the four termination events, and the 60-day rule after discharge.
Read →Deductibles and franchises
The first slice of a claim, why the two words mean different money, and what each does to premium.
Read →Open cover and declarations
The annual policy, what a declaration is for, and the limits per conveyance and per location.
Read →War and strikes cover
Why both are excluded as standard, what CL385 and CL386 buy back, and why war cover has its own duration.
Read →Packing and stowage
The exclusion that survives all-risks cover, the CTU Code, and the photographs to take every time.
Read →Temperature-controlled cargo
Why standard clauses do not respond to temperature, and why the datalogger is the claim.
Read →Project and heavy-lift cargo
Concentrated value, critical operations, DSU cover and the marine warranty surveyor.
Read →When something goes wrong
Notice, evidence, survey and recovery — in the order they actually happen.
General average
The bill that arrives when your cargo is undamaged, and what an uninsured owner has to post.
Read →Claim deadlines by mode
Notice periods and time bars against the carrier, with the article each comes from.
Read →The documents a claim needs
The core file, the extra evidence each loss type needs, and what cannot be recreated.
Read →What happens at a survey
Who instructs the surveyor, what they establish, and what not to do before they arrive.
Read →Trade documents and terms
Where insurance meets the sale contract, the bank and the transport document.
Incoterms 2020 and insurance
Two of the eleven rules require cover. The other nine are where the uninsured legs come from.
Read →Insurance documents under a credit
What a bank checks under UCP 600 Article 28, and the discrepancies that stop payment.
Read →Certificates of insurance
Evidence of cover rather than the cover itself, how endorsement moves the claim, and verification.
Read →Law and compliance
The statutes and rules behind the policy, and our own position in them.
Insurable interest and value
Who may claim, when the interest must exist, and how the sum insured is built.
Read →The law behind the cover
MIA 1906, the Insurance Act 2015, the IDD, US state licensing — and where we stand.
Read →Sanctions screening
Why a quote asks who is on both ends, and what the sanctions limitation clause does.
Read →Cargo insurance glossary
The words that decide a claim, defined from the instruments they come from.
Read →How to use this alongside a quote
The premiums this platform shows come from our own rating tables and are indicative — no insurer has agreed to them and they do not bind cover. Everything in this library, by contrast, is somebody else's published rule: the caps, the deadlines, the clause numbers and the document requirements are facts you can check, and we cite where.
InsuranceScanner is an insurance intermediary, not an insurer — see the Terms for our role. Nothing here is a personal recommendation that a particular cover, sum insured or deductible is suitable for you. Where anything on this page conflicts with the certificate, policy schedule or wording issued by an insurer, that document governs.