# Transport liability insurance

*Last updated: 2026-06-26*

> Transport liability insurance covers claims brought by third parties who suffer loss or injury as a direct result of freight operations – rather than protecting the goods in transit, which is the domain of cargo insurance.

Transport liability insurance covers claims brought by third parties who suffer loss or injury as a direct result of freight operations – rather than protecting the goods in transit, which is the domain of cargo insurance. It responds to bodily injury, property damage, and environmental harm occurring during loading, unloading, transit, or vehicle manoeuvring. Commercial carriers in most European countries are legally required to hold this cover, which sits alongside the statutory motor vehicle liability policy and addresses the specific risks of professional freight operations. Claimants typically include other road users, owners of loading infrastructure, or neighbouring property owners affected by environmental incidents. General public liability insurance is not an adequate substitute, as it lacks the sector-specific scope required for freight transport.

**Source:** [https://de.wikipedia.org/wiki/Verkehrshaftpflichtversicherung](https://de.wikipedia.org/wiki/Verkehrshaftpflichtversicherung)

## Quick Facts

| Property | Value |
|---|---|
| Term | Transport liability insurance |
| Language | EN |
| Word count | 122 |
| Last updated | 2026-06-26 |
| Source | https://de.wikipedia.org/wiki/Verkehrshaftpflichtversicherung |

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