{"id":10216,"date":"2026-09-17T21:03:04","date_gmt":"2026-09-17T18:03:04","guid":{"rendered":"https:\/\/manramu.lt\/business-insurance\/cargo-insurance\/"},"modified":"2026-09-24T21:57:11","modified_gmt":"2026-09-24T18:57:11","slug":"cargo-insurance","status":"publish","type":"page","link":"https:\/\/manramu.lt\/en\/business-insurance\/cargo-insurance\/","title":{"rendered":"Cargo insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10216\" class=\"elementor elementor-10216 elementor-9659\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28903206 e-con-full e-flex e-con e-parent\" data-id=\"28903206\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5aab7217 e-flex e-con-boxed e-con e-child\" data-id=\"5aab7217\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58aca9e7 elementor-widget elementor-widget-heading\" data-id=\"58aca9e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Cargo insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4917cc9 elementor-widget elementor-widget-text-editor\" data-id=\"4917cc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cargo insurance compensates the cargo owner for losses incurred when the cargo being transported is damaged, destroyed, or lost. Unlike carrier liability insurance, it covers the actual value of the cargo and applies regardless of who is at fault. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-105ab475 e-con-full e-flex e-con e-child\" data-id=\"105ab475\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-491114ba elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"491114ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/cargo\/single-shipment\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Insure a single shipment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d194b0d elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"2d194b0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/cargo\/annual-cargo\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Annual contract<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ff198e5 elementor-widget elementor-widget-template\" data-id=\"2ff198e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"5694\" class=\"elementor elementor-5694\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f36dbab mr-trust-insurer-logos mr-trust-insurer-logos--compact elementor-section-content-space-between elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f36dbab\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-34b3e910\" data-id=\"34b3e910\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e680bf6 elementor-widget elementor-widget-ucaddon_logo_grid\" data-id=\"3e680bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_logo_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Logo Grid -->\n<style>\/* widget: Logo Grid *\/\n\n#uc_logo_grid_elementor_3e680bf6 {\n  display: grid;\n}\n#uc_logo_grid_elementor_3e680bf6 .ue-logo-title\n{\n  width:100%;\n  position:absolute;\n  bottom:0;\n  text-align:center;\n  left:0;\n}\n\n#uc_logo_grid_elementor_3e680bf6 div.logo-grid-item\n{\ntext-align:center;\ndisplay:flex;\nflex-direction:column;\njustify-content:center;\nalign-items:center;\noverflow:hidden;\n  position:relative;\n  transition:0.3s;\n\n}\n\n#uc_logo_grid_elementor_3e680bf6 div.logo-grid-item img\n{\nwidth:100%;\n  object-fit: contain;\n  display:block;\n  mix-blend-mode: normal;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  height:100%;\n  transition:0.3s;\n}\n\n\n\n#uc_logo_grid_elementor_3e680bf6 a\n{\n  display:block;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  cursor:pointer;\n  display:flex;\njustify-content:center;\nalign-items:center;\n}\n\n<\/style>\n\n<div id=\"uc_logo_grid_elementor_3e680bf6\" class=\"ue-logo-grid uc-items-wrapper \" >\n\t\t   <div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/balcia-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" title=\"Balcia\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" alt=\"Balcia logo\">\n      \t\n      \n  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<img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" title=\"Ergo\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" alt=\"ERGO logo\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/bunda-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/08\/Bunda.svg\" title=\"BUNDA\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/08\/Bunda.svg\" alt=\"Baltic Underwriting Agency\" width=\"201\" height=\"66\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/lietuvos-draudimas\/\" > \n\t\n  \n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/LietuvosDraudimas-logo.svg\" title=\"LD\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/LietuvosDraudimas-logo.svg\" alt=\"LietuvosDraudimas-logo\" width=\"100\" height=\"59\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n\n    <\/div>\n<!-- end Logo Grid -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ae6e9e0 e-con-full e-flex e-con e-parent\" data-id=\"3ae6e9e0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4779f6f6 e-flex e-con-boxed e-con e-child\" data-id=\"4779f6f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7763b7cb elementor-widget elementor-widget-heading\" data-id=\"7763b7cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is this insurance relevant for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17a94d41 elementor-widget elementor-widget-text-editor\" data-id=\"17a94d41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cargo insurance is relevant to the party that bears the risk during transport\u2014usually the cargo owner, the seller, or the buyer. Which party this is depends on the Incoterms rule, which determines the point at which risk transfers from the seller to the buyer. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30c97f3f e-con-full e-flex e-con e-child\" data-id=\"30c97f3f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2965b429 e-con-full e-flex e-con e-child\" data-id=\"2965b429\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ec54186 elementor-widget elementor-widget-heading\" data-id=\"1ec54186\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Relevant if your company<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d8837e1 elementor-widget elementor-widget-text-editor\" data-id=\"4d8837e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>manufactures or trades in goods and ships them to customers<\/li><li>imports goods and assumes the risk from the point of loading<\/li><li>transports high-value, lightweight, or temperature-sensitive cargo<\/li><li>arranges transportation as a freight forwarder and has an interest in the cargo<\/li><li>is a carrier that offers the customer a wider protection than under the convention<\/li><li>transports cargo pledged to a bank or leasing company<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a443f1c e-con-full e-flex e-con e-child\" data-id=\"6a443f1c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-118b6a27 elementor-widget elementor-widget-heading\" data-id=\"118b6a27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">First, check the Incoterms.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-619f80be elementor-widget elementor-widget-text-editor\" data-id=\"619f80be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>EXW, FCA, FAS, FOB<\/strong> \u2014 the risk passes to the buyer early, he should insure<\/li><li><strong>CFR<\/strong> \u2014 the seller pays the freight, but the risk transfers upon loading.<\/li><li><strong>CIF, CIP<\/strong> \u2014 the seller is required to arrange insurance.<\/li><li>DAP, DPU, DDP \u2014 risk remains with the seller until delivery.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63a7a7c9 elementor-widget elementor-widget-text-editor\" data-id=\"63a7a7c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><small>An important detail: CIF requires only minimum ICC (C) coverage, whereas CIP under Incoterms 2020 requires the most extensive ICC (A) coverage. This is often overlooked in contracts. <\/small><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28003d00 elementor-widget elementor-widget-text-editor\" data-id=\"28003d00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If the insurance is purchased by a party other than the one actually bearing the risk, disputes regarding the payout recipient may arise in the event of damage. Therefore, before comparing prices, it is worth clarifying who the invoice is issued to and at what point the cargo is considered handed over. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c537426 e-con-full e-flex e-con e-parent\" data-id=\"1c537426\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7e6d86d1 e-flex e-con-boxed e-con e-child\" data-id=\"7e6d86d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73f65404 elementor-widget elementor-widget-heading\" data-id=\"73f65404\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does cargo insurance protect against?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7212e49d elementor-widget elementor-widget-text-editor\" data-id=\"7212e49d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The scope of coverage is selected based on the Institute Cargo Clauses (ICC). ICC (A) covers all risks, except for expressly listed exclusions. ICC (B) and ICC (C) cover only specifically listed risks, with the list being shorter for (C) than for (B).     <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b9126e4 e-con-full e-flex e-con e-child\" data-id=\"3b9126e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c2212a6 e-con-full e-flex e-con e-child\" data-id=\"c2212a6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41946b9e elementor-widget elementor-widget-heading\" data-id=\"41946b9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">ICC (A) \u2014 All Risks cover<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-718be8de elementor-widget elementor-widget-text-editor\" data-id=\"718be8de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>All transport risks, except for the exceptions listed in the rules.<\/li><li>Theft and loss of cargo<\/li><li>Damage during loading, transshipment, and unloading<\/li><li>Intermediate storage during transport<\/li><li>Suitable for high-value, easily damaged, and theft-prone cargo.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2de9009f e-con-full e-flex e-con e-child\" data-id=\"2de9009f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7955cf7f elementor-widget elementor-widget-heading\" data-id=\"7955cf7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">ICC (B) and (C) \u2014 named risks  <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fa90b95 elementor-widget elementor-widget-text-editor\" data-id=\"6fa90b95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Fire and explosion<\/li><li>Vehicle accident, rollover, running off the road<\/li><li>Vessel running aground or sinking<\/li><li>Loss of cargo during loading or unloading \u2014 ICC (B) only<\/li><li>Natural disasters and ingress of water \u2014 ICC (B) only<\/li><li>Theft is usually not included.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3430aa29 elementor-widget elementor-widget-text-editor\" data-id=\"3430aa29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In addition to the value of the cargo, it is possible to insure transport costs (freight), insurance costs, and projected profit\u2014typically up to 10% of the cargo&#8217;s value.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6dd220d6 e-con-full e-flex e-con e-parent\" data-id=\"6dd220d6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1378bee7 e-flex e-con-boxed e-con e-child\" data-id=\"1378bee7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f1daa1d elementor-widget elementor-widget-heading\" data-id=\"2f1daa1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does it differ from carrier liability insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56ef7191 elementor-widget elementor-widget-text-editor\" data-id=\"56ef7191\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>These are two different products that are often confused. Carrier liability insurance covers the carrier and applies only in the event of their fault, up to the limits established by international conventions. Cargo insurance covers the cargo itself for the benefit of its owner.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b177807 elementor-widget elementor-widget-text-editor\" data-id=\"6b177807\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div><table style=\"width:100%;border-collapse:collapse;background:#FFFFFF;border-radius:12px\"><thead><tr><th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\"><\/th><th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\">Carrier&#8217;s Liability Insurance<\/th> <th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\">Cargo Insurance<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">What is covered<\/td>: <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Carrier&#8217;s liability<\/td>; <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">the cargo itself<\/td>.<\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">For whose benefit:<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Carrier<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Cargo Owner<\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">When is payment made<\/td>? <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Only if the carrier is at fault <\/td>\/ <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Regardless of fault.<\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">How much is paid<\/td>: <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">up to the Convention limit based on weight<\/td>; <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">up to the insured amount based on value.<\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Who buys<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">the carrier<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">the owner, the seller or the buyer<\/td><\/tr><\/tbody><\/table><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57abb89e e-con-full e-flex e-con e-child\" data-id=\"57abb89e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f779c2 elementor-widget elementor-widget-text-editor\" data-id=\"f779c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Limits of liability by mode of transport.<\/strong> Carrier liability is limited across all modes of transport, and the limit is calculated based on weight rather than the value of the cargo:<\/p><div><table style=\"width:100%;border-collapse:collapse;background:#FFFFFF;border-radius:12px\"><thead><tr><th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\">Mode of transport<\/th> <th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\">Convention<\/th> <th style=\"padding:10px 12px;border-bottom:2px solid #00A3B4;text-align:left;color:#00A3B4;font-weight:600\">Limit<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">By road<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">CMR<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">rate of 8.33 SDR per kg<\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">By sea<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Hague-Visby Rules<\/td>: <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">2 SDR per kg or 666.67 SDR per package.<\/td><\/tr><tr><td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">By air<\/td> <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">Under the Montreal Convention<\/td>, <td style=\"padding:10px 12px;border-bottom:1px solid #D6E8E5;vertical-align:top\">approximately 19\u201322 SDR per kg (the limit is periodically reviewed).<\/td><\/tr><\/tbody><\/table><\/div><p>With the SDR exchange rate hovering around \u20ac1.20, the limit for road transport is approximately \u20ac10 per kilogram. For high-value, lightweight cargo, this is often insufficient. Read more on t<a href=\"https:\/\/manramu.lt\/en\/business-insurance\/carriers-civil-liability-cmr-insurance\/\">he carrier&#8217;s civil liability (CMR) insurance page.<\/a>  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e375dfb elementor-widget elementor-widget-text-editor\" data-id=\"4e375dfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In practice, the two products do not replace each other: the carrier insures their liability, while the owner insures their goods.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30462347 e-con-full e-flex e-con e-parent\" data-id=\"30462347\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e8d6835 e-flex e-con-boxed e-con e-child\" data-id=\"e8d6835\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f76fded elementor-widget elementor-widget-heading\" data-id=\"f76fded\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does this insurance not cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-140e0c30 elementor-widget elementor-widget-text-editor\" data-id=\"140e0c30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cargo insurance covers unexpected events during transport. It does not compensate for losses resulting from the inherent nature of the cargo, improper preparation, or circumstances unrelated to the transport. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3476e225 e-con-full e-flex e-con e-child\" data-id=\"3476e225\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7785e4ef e-con-full e-flex e-con e-child\" data-id=\"7785e4ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-378a5ecb elementor-widget elementor-widget-heading\" data-id=\"378a5ecb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Not included in the coverage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a6b06c2 elementor-widget elementor-widget-text-editor\" data-id=\"4a6b06c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Inappropriate or insufficient packaging<\/li><li>Natural loss \u2014 evaporation, drying out, shedding<\/li><li>Inherent properties of the cargo and damage resulting from them<\/li><li>Delay and losses incurred as a result<\/li><li>Lost income exceeding the agreed share of profit<\/li><li>Intentional acts of the policyholder<\/li><li>War, strike and terrorism risks without a separate supplement<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1210f0a9 e-con-full e-flex e-con e-child\" data-id=\"1210f0a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1dd1c9 elementor-widget elementor-widget-heading\" data-id=\"f1dd1c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Conditions under which the payment may not be made<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2af8cff7 elementor-widget elementor-widget-text-editor\" data-id=\"2af8cff7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Failure to secure seals or damage to seals<\/li><li>Non-compliance with GPS tracking or temperature recording requirements<\/li><li>Stopping in unauthorized or prohibited areas<\/li><li>Failure to comply with the double-locking requirement<\/li><li>Leaving the cargo unattended<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54f34e2a elementor-widget elementor-widget-text-editor\" data-id=\"54f34e2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><small>Before signing, it is worth checking whether you can realistically meet these requirements. If not, it is better to choose an offer with terms that align with your logistics process. <\/small><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7831d2b7 e-con-full e-flex e-con e-parent\" data-id=\"7831d2b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-54372575 e-flex e-con-boxed e-con e-child\" data-id=\"54372575\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fa94186 elementor-widget elementor-widget-heading\" data-id=\"7fa94186\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">One-off or annual insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31f2ffac elementor-widget elementor-widget-text-editor\" data-id=\"31f2ffac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The choice depends on the frequency of shipments. One-off insurance is suitable for infrequent or particularly valuable shipments, while an annual contract is best for regular shipments. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c73a2d0 e-con-full e-flex e-con e-child\" data-id=\"3c73a2d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-733e6155 e-con-full e-flex e-con e-child\" data-id=\"733e6155\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69abe03f elementor-widget elementor-widget-heading\" data-id=\"69abe03f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Single-shipment insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6130c1fd elementor-widget elementor-widget-text-editor\" data-id=\"6130c1fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Infrequent or irregular shipments<\/li><li>Particularly valuable one-off shipment<\/li><li>One-off export or import transaction<\/li><li>The price is calculated for a specific shipment.<\/li><li>A request is submitted separately for each shipment.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62c17eba e-con-full e-flex e-con e-child\" data-id=\"62c17eba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46a7ecf6 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"46a7ecf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/cargo\/single-shipment\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Insure a single shipment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-396dd6f7 e-con-full e-flex e-con e-child\" data-id=\"396dd6f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29fcf0d0 elementor-widget elementor-widget-heading\" data-id=\"29fcf0d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Annual cargo insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23321ddb elementor-widget elementor-widget-text-editor\" data-id=\"23321ddb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Regular shipment flows<\/li><li>Regular routes and partners<\/li><li>The price is calculated based on projected turnover and finalized based on actual figures.<\/li><li>All shipments are automatically covered.<\/li><li>One contract for a year \u2014 less administration<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f737f25 e-con-full e-flex e-con e-child\" data-id=\"3f737f25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b124551 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"3b124551\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/cargo\/annual-cargo\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Conclude an annual contract<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67eec7d8 e-con-full e-flex e-con e-child\" data-id=\"67eec7d8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7efb467d elementor-widget elementor-widget-text-editor\" data-id=\"7efb467d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>The most common mistake<\/strong> is to stick to one-time insurance when there are already many shipments. It is enough to forget to submit a request once, and that particular shipment remains uninsured. An annual contract eliminates this risk completely.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25deab3b e-con-full e-flex e-con e-parent\" data-id=\"25deab3b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-74294c89 e-flex e-con-boxed e-con e-child\" data-id=\"74294c89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c66520e elementor-widget elementor-widget-heading\" data-id=\"2c66520e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What determines the cost of cargo insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72d28610 elementor-widget elementor-widget-text-editor\" data-id=\"72d28610\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The premium typically ranges from a fraction of a percent to a few percent of the cargo&#8217;s value. The exact rate depends on the type of cargo, the route, and the selected terms. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c8f0385 elementor-widget elementor-widget-text-editor\" data-id=\"5c8f0385\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Value and type of the cargo.<\/strong> Electronics, pharmaceuticals, excisable goods, and branded clothing are subject to stricter scrutiny.<\/li><li><strong>Packaging and method of preparation.<\/strong> Container, pallet, birail, open platform or deck transport.<\/li><li><strong>Mode of transport and route.<\/strong> Land, sea, air, or a combination thereof.<\/li><li><strong>Number of transshipments and intermediate storage.<\/strong> Every transshipment entails additional risk.<\/li><li><strong>Selected ICC terms.<\/strong> ICC (A) is more expensive than ICC (B) or (C).   <\/li><li><strong>Deduction.<\/strong> A larger one reduces the installment.<\/li><li><strong>Claims history.<\/strong> The last three years are evaluated.<\/li><li><strong>In the case of an annual contract \u2014 projected turnover.<\/strong> The initial payment is calculated based on it.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59c3e31b e-con-full e-flex e-con e-parent\" data-id=\"59c3e31b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4484bd0a e-flex e-con-boxed e-con e-child\" data-id=\"4484bd0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc8e79e elementor-widget elementor-widget-heading\" data-id=\"1fc8e79e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What to decide before taking out insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-946e9d6 elementor-widget elementor-widget-text-editor\" data-id=\"946e9d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Several decisions determine whether you will recover the full loss incurred in the event of damage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee87b07 elementor-widget elementor-widget-text-editor\" data-id=\"ee87b07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Sum insured.<\/strong> Not only the value of the cargo, but also the freight, insurance costs, and projected profit.<\/li><li><strong>ICC terms.<\/strong> Are the listed risks sufficient, or is protection against all risks required?<\/li><li><strong>Beneficiary.<\/strong> If the cargo is pledged or financed, the bank or leasing company is designated as the beneficiary.<\/li><li><strong>Deduction.<\/strong> Minor losses during transport occur frequently\u2014it is worth considering the value threshold at which you want coverage.<\/li><li><strong>Storage during transport.<\/strong> Check what duration is included in the coverage.<\/li><li><strong>Safety requirements.<\/strong> Will you realistically comply with the conditions regarding seals, tracking, and stops?<\/li><li><strong>Open transport.<\/strong> When carried on a platform or on deck, ICC (B) and (C) conditions may be restricted.  <\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-157432a1 e-con-full e-flex e-con e-child\" data-id=\"157432a1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48939834 elementor-widget elementor-widget-text-editor\" data-id=\"48939834\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>A common mistake regarding the insured amount.<\/strong> Only the invoice value is specified. However, if the cargo is lost, you lose both the freight charges paid and the projected profit\u2014meaning the actual loss exceeds the cost of the goods. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d5dc15 e-con-full e-flex e-con e-parent\" data-id=\"5d5dc15\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7645dec8 e-flex e-con-boxed e-con e-child\" data-id=\"7645dec8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c360108 elementor-widget elementor-widget-heading\" data-id=\"4c360108\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What you will need to fill out the questionnaire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cc320dd elementor-widget elementor-widget-text-editor\" data-id=\"2cc320dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We will retrieve the company name, address, and NACE code from the Centre of Registers\u2014you simply need to enter the company code. It is useful to have the following ready in advance: <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2068e1ec elementor-widget elementor-widget-text-editor\" data-id=\"2068e1ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Name and description of the cargo<\/li><li>The packaging and the method of preparation for transport<\/li><li>The number of cargo items and the gross weight<\/li><li>The value of the cargo and the Incoterms rule<\/li><li>The route, mode of transport, and transshipment points<\/li><li>Beneficiary<\/li><li>Preferred ICC terms<\/li><li>Insured events over the past three years<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50ecada9 elementor-widget elementor-widget-text-editor\" data-id=\"50ecada9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For an annual contract, additional information regarding projected annual turnover, typical routes, and the breakdown of cargo types will be required. Completing the questionnaire for a one-off shipment takes about 6\u20138 minutes. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6567081c e-con-full e-flex e-con e-child\" data-id=\"6567081c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bfb5e92 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"5bfb5e92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/cargo\/single-shipment\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Insure a single shipment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42424329 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"42424329\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/cargo\/annual-cargo\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Annual contract<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e2411a2 e-con-full e-flex e-con e-parent\" data-id=\"5e2411a2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-25523b3c e-flex e-con-boxed e-con e-child\" data-id=\"25523b3c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ba56e84 elementor-widget elementor-widget-heading\" data-id=\"1ba56e84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5faafee6 elementor-widget elementor-widget-n-accordion\" data-id=\"5faafee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1600\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1600\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is the difference between cargo insurance and carrier liability insurance? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1600\" class=\"elementor-element elementor-element-626fa0ea e-con-full e-flex e-con e-child\" data-id=\"626fa0ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e2cb063 elementor-widget elementor-widget-text-editor\" data-id=\"1e2cb063\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Carrier liability insurance covers the carrier and applies only when the carrier is liable for the damage, subject to the weight-based limits established by the convention. Cargo insurance covers the cargo itself for the benefit of its owner; the actual value is compensated regardless of who is at fault. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1601\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1601\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Who is responsible for insuring the cargo \u2014 the seller or the buyer? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1601\" class=\"elementor-element elementor-element-24a1bb40 e-con-full e-flex e-con e-child\" data-id=\"24a1bb40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55b3225f elementor-widget elementor-widget-text-editor\" data-id=\"55b3225f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">The party that bears the risk during transport is determined by the Incoterms rule. Under EXW, FCA, and FOB, the risk transfers to the buyer early, so the buyer should arrange the insurance. Under DAP, DPU, and DDP, the risk remains with the seller until delivery. For CIF and CIP, the seller is required to arrange the insurance.    <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1602\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1602\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What do ICC A, B, and C mean? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1602\" class=\"elementor-element elementor-element-1e91b5c2 e-con-full e-flex e-con e-child\" data-id=\"1e91b5c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76ff0971 elementor-widget elementor-widget-text-editor\" data-id=\"76ff0971\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">These are the Institute Cargo Clauses\u2014international terms for cargo insurance. ICC (A) covers all risks, except for those explicitly listed as exclusions. ICC (B) and ICC (C) cover only specifically named risks, with the list of covered risks being shorter for C than for B. Theft is generally not included in ICC (B) or (C).      <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1603\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1603\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Can I insure the value of the cargo together with the profit? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1603\" class=\"elementor-element elementor-element-3de8b4e8 e-con-full e-flex e-con e-child\" data-id=\"3de8b4e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20a897f9 elementor-widget elementor-widget-text-editor\" data-id=\"20a897f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Yes. The insured value can include not only the value of the cargo but also transportation costs (freight), insurance costs, and projected profit\u2014typically up to 10% of the cargo&#8217;s value. If the cargo is lost, you also lose the freight charges you have paid, so it is worth taking this into account.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1604\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1604\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does the protection apply during reloading and storage? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1604\" class=\"elementor-element elementor-element-489ffb99 e-con-full e-flex e-con e-child\" data-id=\"489ffb99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d2ef6ce elementor-widget elementor-widget-text-editor\" data-id=\"5d2ef6ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Yes, transshipment and intermediate storage during transport are generally included in the coverage. The duration of storage is limited\u2014often to 30 days. Longer storage periods must be arranged separately.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1605\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1605\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is the insurance valid worldwide? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1605\" class=\"elementor-element elementor-element-5ee740f0 e-con-full e-flex e-con e-child\" data-id=\"5ee740f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f7536 elementor-widget elementor-widget-text-editor\" data-id=\"9f7536\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">By default, coverage applies to transport by land, sea, and air, both within and outside the EU. Certain destinations may be restricted or subject to individual assessment; this is specified when the proposal is prepared. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1606\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1606\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> When is it worth choosing an annual contract instead of one-off insurance? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1606\" class=\"elementor-element elementor-element-6cc163f6 e-con-full e-flex e-con e-child\" data-id=\"6cc163f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33359f89 elementor-widget elementor-widget-text-editor\" data-id=\"33359f89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">When shipments become regular: under an annual contract, the price is calculated based on projected turnover and finalized according to actual figures, while all shipments are covered automatically\u2014eliminating the need to remember to insure each one individually. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1607\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1607\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Are the cargoes prohibited from use or previously transported? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1607\" class=\"elementor-element elementor-element-200b53b4 e-con-full e-flex e-con e-child\" data-id=\"200b53b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76274532 elementor-widget elementor-widget-text-editor\" data-id=\"76274532\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Yes, but the conditions may vary. For used or previously transported cargo, the insurer often asks for a description of the circumstances of the previous transport and the current condition. It is worth specifying this in the questionnaire right away.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the difference between cargo insurance and carrier liability insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Carrier liability insurance covers the carrier and applies only when the carrier is liable for the damage, subject to the weight-based limits established by the convention. Cargo insurance covers the cargo itself for the benefit of its owner; the actual value is compensated regardless of who is at fault.\"}},{\"@type\":\"Question\",\"name\":\"Who is responsible for insuring the cargo \\u2014 the seller or the buyer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The party that bears the risk during transport is determined by the Incoterms rule. Under EXW, FCA, and FOB, the risk transfers to the buyer early, so the buyer should arrange the insurance. Under DAP, DPU, and DDP, the risk remains with the seller until delivery. For CIF and CIP, the seller is required to arrange the insurance.\"}},{\"@type\":\"Question\",\"name\":\"What do ICC A, B, and C mean?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"These are the Institute Cargo Clauses\\u2014international terms for cargo insurance. ICC (A) covers all risks, except for those explicitly listed as exclusions. ICC (B) and ICC (C) cover only specifically named risks, with the list of covered risks being shorter for C than for B. Theft is generally not included in ICC (B) or (C).\"}},{\"@type\":\"Question\",\"name\":\"Can I insure the value of the cargo together with the profit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The insured value can include not only the value of the cargo but also transportation costs (freight), insurance costs, and projected profit\\u2014typically up to 10% of the cargo&#8217;s value. If the cargo is lost, you also lose the freight charges you have paid, so it is worth taking this into account.\"}},{\"@type\":\"Question\",\"name\":\"Does the protection apply during reloading and storage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, transshipment and intermediate storage during transport are generally included in the coverage. The duration of storage is limited\\u2014often to 30 days. Longer storage periods must be arranged separately.\"}},{\"@type\":\"Question\",\"name\":\"Is the insurance valid worldwide?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"By default, coverage applies to transport by land, sea, and air, both within and outside the EU. Certain destinations may be restricted or subject to individual assessment; this is specified when the proposal is prepared.\"}},{\"@type\":\"Question\",\"name\":\"When is it worth choosing an annual contract instead of one-off insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When shipments become regular: under an annual contract, the price is calculated based on projected turnover and finalized according to actual figures, while all shipments are covered automatically\\u2014eliminating the need to remember to insure each one individually.\"}},{\"@type\":\"Question\",\"name\":\"Are the cargoes prohibited from use or previously transported?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, but the conditions may vary. For used or previously transported cargo, the insurer often asks for a description of the circumstances of the previous transport and the current condition. It is worth specifying this in the questionnaire right away.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14933f33 e-con-full e-flex e-con e-parent\" data-id=\"14933f33\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-68836b1f e-flex e-con-boxed e-con e-child\" data-id=\"68836b1f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f7dd17f elementor-widget elementor-widget-heading\" data-id=\"5f7dd17f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Related insurance products<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e6995a0 elementor-widget elementor-widget-text-editor\" data-id=\"6e6995a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cargo insurance covers goods during transport. You may also want to look into other insurance products that cover related areas. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fe860e2 e-con-full e-flex e-con e-child\" data-id=\"1fe860e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d9f6e9f e-con-full e-flex e-con e-child\" data-id=\"d9f6e9f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34ac400c elementor-widget elementor-widget-heading\" data-id=\"34ac400c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Carrier's liability (CMR)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d46224e elementor-widget elementor-widget-text-editor\" data-id=\"4d46224e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Carrier&#8217;s liability for the cargo entrusted to it<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16ca48b3 e-con-full e-flex e-con e-child\" data-id=\"16ca48b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-675cd5a8 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"675cd5a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/carriers-civil-liability-cmr-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-158dffe e-con-full e-flex e-con e-child\" data-id=\"158dffe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66db6697 elementor-widget elementor-widget-heading\" data-id=\"66db6697\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business Property Insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32e7b6bf elementor-widget elementor-widget-text-editor\" data-id=\"32e7b6bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Inventory and goods in the warehouse when not in transit<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-748bbfff e-con-full e-flex e-con e-child\" data-id=\"748bbfff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1973678b elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"1973678b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/business-property-insurance\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b3f2203 e-con-full e-flex e-con e-child\" data-id=\"5b3f2203\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3dcdc5db elementor-widget elementor-widget-heading\" data-id=\"3dcdc5db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">General civil liability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34bf850 elementor-widget elementor-widget-text-editor\" data-id=\"34bf850\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Damage to third parties arising from your activities or products<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-524c9a5a e-con-full e-flex e-con e-child\" data-id=\"524c9a5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2de26b3e elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"2de26b3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/general-civil-liability\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More info<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-666e06e e-con-full e-flex e-con e-parent\" data-id=\"666e06e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-54405f1 e-flex e-con-boxed e-con e-child\" data-id=\"54405f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9fcccb elementor-widget elementor-widget-heading\" data-id=\"e9fcccb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Insure your cargo<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b64767 elementor-widget elementor-widget-text-editor\" data-id=\"6b64767\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fill out the questionnaire to receive offers from Lithuania\u2019s leading insurers and compare not only prices but also the scope of coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ecfbe9 e-con-full e-flex e-con e-child\" data-id=\"2ecfbe9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02e3c28 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"02e3c28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/cargo\/single-shipment\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Insure a single shipment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82d3276 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"82d3276\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/cargo\/annual-cargo\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Annual contract<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38bb536 elementor-widget elementor-widget-text-editor\" data-id=\"38bb536\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><small>We store and use your data solely for the purpose of preparing a proposal.<\/small><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Cargo insurance Cargo insurance compensates the cargo owner for losses incurred when the cargo being transported is damaged, destroyed, or lost. Unlike carrier liability insurance, it covers the actual value of the cargo and applies regardless of who is at fault. Insure a single shipment Annual contract Who is this insurance relevant for? Cargo insurance [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":10188,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-10216","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cargo insurance | Man ramu draudimo platforma<\/title>\n<meta name=\"description\" content=\"Cargo insurance compensates the cargo owner for losses incurred when the transported cargo is damaged, destroyed, or lost.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/cargo-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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