Liability cap vs insurance: A liability cap limits what the courier pays you. Insurance pays what the goods are worth, up to the declared value. These are completely different. One protects the courier. The other protects you.

How High-Value Cargo Insurance Works

Declared Value Coverage

You declare the value of your shipment, and a cargo policy covers it up to that value against loss, damage, theft, and mishandling. Premiums depend on the insurer, the goods type and the destination. JLog’s own goods-in-transit insurance is in place; details on request.

All-Risk Cargo Insurance

Unlike standard courier liability, all-risk insurance covers:

The Claims Process

When goods are damaged or lost, insurers usually ask for proof of value, the waybill or delivery note, and a record of the damage, such as photos or a condition report. Note any damage on the delivery note at handover. Details of JLog’s goods-in-transit cover are available on request.

Goods That Need Proper Cover

These are the goods where a proper transit policy matters most:

Artwork & Fine Art

Original paintings, sculptures, limited-edition prints, canvas works, and framed art. Whether you’re a gallery shipping to a collector or an artist sending work for an exhibition, we recommend your own fine-art (or all-risk) policy for high-value pieces; we declare the value on the export paperwork.

Designer & Antique Furniture

Bespoke pieces, designer imports, handcrafted furniture, and antiques. A single chair can be worth R30,000–R100,000+. A sofa R80,000. Damage in transit is unacceptable. Insurance protects your inventory.

Ceramics, Glassware & Fragile Homeware

Handmade pottery, fine glassware, decorative ceramics, and artisanal homeware items. These goods are irreplaceable. If they break, you can’t simply reorder. Insurance is essential for studio owners and retailers.

Jewellery & Watches

Fine jewellery, designer watches, beaded pieces, and precious metal items. High value, small footprint, and easily lost or stolen. Declared value insurance is standard in the jewellery trade.

Professional Equipment

Photography gear, sound equipment, production tools, and specialized machinery. When you’re hiring equipment out or transporting it between shoots, insurance covers loss and damage.

Personal Effects for Relocating Expats

You’re moving overseas. Your household goods, art collection, and personal belongings need to reach your new country safely. Check that your policy covers the whole journey, door to door.

E-commerce Stock & Fulfilment

If you’re an e-commerce brand shipping high-value items—luxury goods, artisan products, premium homeware—check that your policy covers the stock in transit to customers.

International Cargo Insurance — Marine & Air Freight

For goods leaving South Africa by sea or air, the insurance considerations are different. International shipments face longer transit times, multiple handling points, and different risk profiles.

Marine Cargo Insurance (Sea Freight)

When artwork or furniture travels by container ship, marine cargo insurance covers the voyage. This is standard in the art world. JLog arranges sea freight through international freight forwarders. Marine policies are usually written on Institute Cargo Clauses A (all-risk), B (broad-risk), or C (basic coverage); your insurer confirms which applies to your goods and destination.

Air Cargo Insurance

Air freight is faster but higher risk if packing isn’t right. Air cargo insurance covers loss, damage, and mishandling. For fragile items or high-value goods, it’s the only sensible choice.

The Responsibility Question

Here’s what most international shippers get wrong: the destination country doesn’t arrange insurance. You do. As the shipper, you’re responsible for arranging declared value cover for the entire journey. For high-value pieces we recommend your own fine-art (or all-risk) policy; we declare the value on the export paperwork.

Where JLog Fits In

JLog’s goods-in-transit insurance is in place; details on request. For high-value goods we recommend your own fine-art (or all-risk) policy through your broker; we declare the value on the export paperwork.

Frequently Asked Questions

How much does cargo insurance cost?
Premiums depend on the insurer, the goods type (artwork vs ceramics), the destination (domestic vs international) and the declared value, so ask your broker or insurer for a quote. JLog’s goods-in-transit insurance is in place; details on request.

What’s the difference between liability and insurance?
Liability is a contractual cap—the maximum a courier will pay you if something goes wrong. Insurance is actual coverage that pays the declared value of your goods. Liability protects the courier. Insurance protects you. You need both for complete protection.

Can I insure a piece of artwork worth R500,000?
Yes. Specialist fine-art and all-risk insurers cover high-value works; your broker or insurer sets the limits. For high-value pieces we recommend your own fine-art (or all-risk) policy; we declare the value on the export paperwork. The declared value is set by you based on the artwork’s appraisal or market value.

What is not covered by cargo insurance?
All-risk cargo insurance excludes certain events: war and terrorism, civil unrest, loss of value due to delay, indirect losses, and damage caused by improper packing (which is why JLog’s packing service is important). Specific exclusions depend on the policy, so check them before booking.

How long does a claim take to process?
It depends on the insurer and the claim. Straightforward damage claims with complete documentation are usually quicker than theft or loss during international transit.

Do I need insurance for domestic Cape Town deliveries?
For same-day gallery-to-gallery moves of high-value artwork, yes. For standard parcels within Cape Town, courier liability may be sufficient. JLog’s goods-in-transit insurance is in place; details on request.

Can I use my own insurance broker?
Yes. For high-value pieces we recommend your own fine-art (or all-risk) policy through your broker; we declare the value on the export paperwork.

Protect Your High-Value Goods in Transit

Whether you’re shipping a single artwork worth R300,000 or a full container of designer furniture for international delivery, we recommend your own fine-art (or all-risk) policy for high-value goods; we declare the value on the export paperwork. JLog’s goods-in-transit insurance is in place; details on request.

Get a Cargo Insurance Quote

JLog is a SARS-licensed customs clearing agent