Carrier contractual liability (CMR)

Carrier contractual liability covers the financial consequences of loss, damage or late delivery of goods carried for third parties.

This liability is framed by law: national standard contracts and the CMR Convention for international carriage set legal indemnity caps (usually calculated per kilo of goods), often far below the real value of the cargo. Contractual liability covers the carrier within those legal caps — it is a de facto mandatory cover to operate, even when not always named as such by statute.

It is one of the most technical products in transport: exclusions vary widely by cargo type (perishables, dangerous goods, high-value goods), and different caps between standard contracts and CMR often create underinsurance gaps.

McLer compares terms by cargo typology and makes sure your cover matches your real activity, not a generic policy.