Insurance (including CMR)

Insurance (including CMR)

In international transport, nothing is more important than safety — both for the cargo and the carrier itself. Every transport company operating in Poland or on routes between the EU, Turkey, Ukraine or China knows that even a minor mistake or an unforeseen situation on the road can result in millions in losses. That is why insurance, including CMR carrier liability insurance, is not just a formality — it is real protection for your business.

Legal support in drawing up insurance contracts in Poland helps to avoid typical mistakes related to translations, contract terms, coverage exceptions and disputes with insurance companies. We help you choose the right type of policy, check the terms and conditions, and represent the client's interests in the event of an insured event.

Main types of insurance for transport companies in Poland

A lawyer will help you figure out which policies are necessary for the legal and safe operation of a carrier, as well as explain which ones are mandatory and which ones are recommended to reduce risks.

The main types of insurance include:

• carrier civil liability insurance (OC przewoźnika);
• liability insurance in accordance with the CMR Convention (CMR Insurance);
• cargo insurance (Cargo);
• vehicle insurance (OC/AC);
• insurance for drivers and crew members;
• company legal liability insurance.

Having a comprehensive insurance package allows you to avoid downtime, compensate for losses caused by accidents, delays or cargo theft, and maintain the carrier's reputation internationally.

Legal risks in international transport

International transport is not only about logistics, but also a number of legal obligations that can have serious financial consequences. Often, companies do not pay enough attention to the terms of insurance contracts and, as a result, when an insured event occurs, they are denied payment. Problems can arise due to incorrectly completed documents, late notification of an incident, or a policy that does not comply with the requirements of the CMR Convention.

A lawyer specialising in international insurance analyses contracts before the start of transport to avoid such situations. They help to adapt policies to a specific route, taking into account customs, transport and civil law aspects. This approach ensures that even in the event of damage to cargo or loss of goods, the client will not be left without compensation.

What is included in legal support when taking out insurance

Many companies face difficulties after an accident or damage to cargo. Insurers may delay payments or reduce the amount of compensation. In such cases, a lawyer is your guarantor of justice.

Our support in the event of an insured event includes:

1. preparing a notification to the insurance company in accordance with the requirements of the law;
2. collecting evidence and documents to confirm the damage;
3. analysing the insurance company's assessment report;
4. preparing a claim or appeal in the event of an underpayment;
5. representing the client in court or before the insurer.

Thanks to the lawyer's clear actions, you not only get a quick resolution of the issue, but also a guarantee that your rights are protected within the law. This allows you to focus on your business rather than bureaucratic procedures.