A vessel fire forces the shipowner to declare a general average. Your cargo is not damaged, but you must pay a contribution and related salvage costs before release. You send the adjustment statement and receipts and claim those charges.

insurance may apply for general average sacrifice, plus general average and salvage charges you must pay, when linked to a covered event.

A coastal shipment meets heavy seas off the NSW coast. One strapped package breaks loose and is washed overboard. The carrier confirms the loss and provides voyage documents, so you lodge a claim for the value of the lost package.

Some wordings cover jettison or washing overboard, including total loss of a package lost overboard during loading or unloading.

You import goods into Sydney in a full container load. At your warehouse the container seal matches the paperwork, but some cartons are missing. You provide packing lists, container docs and a police report, then claim for the missing items.

Where an FCL seal is intact at unloading, theft, pilferage, shortage or non-delivery can be recoverable if you prove what was loaded.

A pallet of stock is unloaded at a Melbourne freight depot. A forklift clips it and several cartons fall and smash. The driver notes the damage on the docket, you keep photos and invoices and the goods cannot be sold.

insurance may apply for physical loss, destruction or damage caused by an accident occurring during an insured transit, up to your limit.

A laptop shipment arrives with screens not working. Testing shows an internal electrical fault with no external impact marks. The cartons are intact and there is no sign of a covered event like collision, theft, fire or water entry.

Policies may not cover electrical, mechanical or electronic failure unless there is external visible damage from an insured event.

A shipment from Perth to Melbourne is delayed after a port backlog and rebooking. Your stock arrives a week late, you miss a promo window and you pay extra warehousing fees while you wait. You have invoices and delivery updates showing the delay.

Policies often exclude loss caused by delay, even if an insured event is involved. They also exclude consequential loss like lost profit.

Frozen seafood is loaded in good condition, but it starts to thaw during transit because it was not cold enough when packed. The boxes arrive soft and unsafe to sell. There is no accident, theft, or water damage, just spoilage.

Policies often exclude inherent vice or nature of the goods, plus ordinary leakage or loss in weight, unless a covered event caused it.

Your team packs glass bottles into thin cartons with little padding. During road freight from Sydney to Brisbane, the cartons collapse and bottles shatter. The carrier notes rough handling, but the damage links back to weak packing.

Policies often exclude loss caused by insufficient or unsuitable packing when you or your staff packed or prepared the goods.