Carriers Liability Insurance in Iran
For road freight companies, truck and trailer operators, urban distribution fleets and freight terminals.
Persian twin page (authoritative): /liability/commercial/transport-carriers
Short answer
Carriers liability insurance in Iran compensates damage to cargo in custody during carriage, loading, unloading and storage, under the custody rules of the Civil Code, and covers injury to third parties during transport. The limit of liability is set separately for each vehicle listed in the policy schedule.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- Road and intercity freight transport companies
- Truck, trailer and light-truck operators holding a valid waybill
- Urban distribution and corporate courier units
- Operators of refrigerated and special cargo
- Warehouses and freight terminals, within the custody scope
What is covered?
| Coverage | Description |
|---|---|
| Cargo in custody | Compensation for loss of or damage to entrusted cargo during carriage, loading and unloading, under the custody rules. |
| Third-party injury during carriage | Cover for bodily and financial damage to third parties from carriage operations, beyond the compulsory third-party motor insurance. |
| Accidents during loading and unloading | Compensation for damage from cargo falls, overturning and accidents in the loading and unloading yard. |
| Special cargo under endorsement | Cover for refrigerated, fragile and perishable cargo where a special endorsement is scheduled and the declared carriage conditions are observed. |
| Legal defense costs | Attorney fees and procedural costs in claims by cargo owners and third parties. |
| Extension to drivers and staff | Extension of cover to drivers and loading staff as insured persons, where scheduled in the policy. |
What is not covered? (Exclusions)
- Carriage without a valid waybill or of unauthorized cargo
- Loss from the inherent nature of the cargo, natural spoilage and defective packaging
- Death of and injury to the carrier's own staff, which belongs to employers liability insurance
- Damage to the vehicle itself and to cargo owned by the vehicle's owner
- Acts of God such as flood and earthquake, unless endorsed
- Delivery of cargo to unauthorized persons with the carrier's knowledge
Issuance conditions
- A valid waybill and lawful carriage documents
- Declaration of the cargo type, value and route at issuance
- Observance of loading and cargo-securing rules under the traffic regulations
Required documents
- Transport activity permit or smart driving card
- Sample waybills and carriage contracts
- Identity documents and the company's business license
- Fleet list with capacity and vehicle types
- Third-party and hull policies of the active fleet
How to buy — step by step
Quotation by fleet
Submit the quote request with the fleet size and capacity, cargo types and routes; the advisor proposes a suitable limit.
Documents and official proforma
With the activity permit, identity documents and vehicle details, an official proforma invoice is issued on Bimeh Iran tariffs.
Premium payment
Pay through the banking gateway or a bank receipt; issuance starts after payment is confirmed.
Policy issuance and delivery
The policy, stating the fleet details and any special-cargo endorsements, is delivered in print and electronically.
How to claim — step by step
Immediate notification
Report cargo loss or an accident during carriage immediately and document the state of the consignment and the vehicle.
Claim form
Complete and sign the form with the waybill particulars, cargo type, route and the course of events.
Case documents
Submit the waybill, the delivery report, the authorities' report in case of collision and the cargo owner's documents.
Cargo assessment
The adjuster assesses the loss of or damage to the cargo and whether the carriage matched the waybill.
Responsibility and negotiation
The carrier's responsibility and the amount of loss are negotiated with the cargo owner and documented in writing.
Agreement and payment
The loss is paid subject to the policy deductible and up to the limit of liability.
Claim notification deadlines and assessment details follow the policy general conditions and the Iranian Insurance Act (Article 30 practice: notification within five working days).
FAQs — Carriers Liability Insurance
Legal sources
Civil Code of Iran — Articles 328 to 335 — duty to preserve another's property
Civil Liability Act of Iran (1960) — Articles 1 to 11 — fault-based civil liability
Iranian Insurance Act (1936) — Article 12 — insurable interest
Iranian statutes are authoritative in Persian; English titles above are orientation references.
Reviewed by the Iran Liability Insurance content team
Reviewed by the licensed team of Agency No. 20616 of Bimeh Iran, specialized exclusively in liability insurance.
Legal review: licensed team of Agency No. 20616, Bimeh Iran — Last reviewed: 24 October 2026
Get Carriers Liability Insurance through the official Bimeh Iran agency
The online quote form is in Persian. English-speaking visitors may submit inquiries by email in English, and a consultant will respond in English. The quotation is issued on current Bimeh Iran tariffs after the limit of liability is agreed.