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Product Overview

All documentation and contracts to the subcontractor must clearly show that the subcontractor is liable for all loss and damage and must ensure that they have adequate transit cover. If the subcontractor’s claim is rejected by the subcontractor’s Insurer, our policy will step in as a policy of last resort. The existence of this policy may not be disclosed to the subcontractor. After paying a claim, we will then sue that subcontractor in terms of their agreement with the Transport Broker and it is therefore important that the liability issue is made clear.


Target Market

  • Transport brokers
  • Transport contractors using subcontractors

Key Benefits

  • Subcontractors top-up of limit cover
  • Subcontractors unpaid debit order premium cover
  • Extension of conditions to include all risk cover

Cover Included

  • Debris removal and clean up costs
  • Destruction of salvage costs
  • Fire extinguishing charges extension
  • Fraud and fidelity
  • Overloading
  • Salvage and recovery of load costs
  • Tarpaulins, ropes, nets, and other packaging materials
  • Temporary storage

Optional Cover

  • Container cover
  • Contamination of load
  • Deterioration of stock following breakdown or malfunction of refrigeration machinery
  • First loss option
  • Incorrect temperature settings
  • Leakage of load
  • Riot and strike
  • Storage at specific premises

Territories Automatically Included

  • Republic of South Africa
  • Angola
  • Botswana
  • Democratic Republic of Congo (DRC) not further north than Kolwezi
  • Kenya
  • Lesotho
  • Malawi
  • Mozambique
  • Namibia
  • Swaziland
  • Tanzania
  • Zaire
  • Zambia
  • Zimbabwe
  • Uganda
How to claim

Find out how easy it to submit a claim to IUM by selecting the product you wish to claim on


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