Sabemos que los seguros son importantes para garantizar el bienestar de las mercancías ante cualquier situación de riesgo, es por eso que contratarlo debe ser tomado en cuenta dentro de los gastos fijos de la operación logística, pero ¿Debemos asegurar los contenedores también?
La transportación marítima, es una de las formas más importantes para el traslado de mercancía usado por las compañías.
De igual forma, los contenedores representan uno de los activos más importantes para las compañías navieras.
Relacionados: ¿Qué significa días libres de demoras de contenedor?
Por esta razón, los contenedores también se deben proteger contra cualquier altercado que pueda surgir.
Importancia de asegurar los contenedores.
Al iniciar con el ciclo de transporte de mercancías, las navieras, pierden control de los contenedores y la responsabilidad pasa a ser de los consignatarios
Es por ello, que las compañías exigen la contratación de una póliza de seguro para contenedores.
Estas están enfocadas en garantizar ante las navieras cualquier daño o perdida de contenedores, desde el retiro en puerto, hasta la devolución del contenedor por parte del consignatario.
Algunos de los Riesgos que cubren este tipo de seguros son:
- Incendio, rayo, explosión, caída de aviones.
- Colisión y/o volcadura del vehículo del transporte empleado
- Daños a los contenedores por colisión con puentes.
- Daños por deslizamientos, golpes y caídas sin colisión de la unidad siempre y cuando el contenedor haya sido anclado y sujetado correctamente.
- Robo con violencia y/o asalto del contenedor.
- Limpiezas extraordinarias.
- Reparación del contenedor.
¿Cómo funciona un seguro para contenedores?
El proceso de contratación de esta póliza generalmente lo hace la agencia de aduana representante del dueño de la carga, que intercede ante la compañía naviera y las autoridades.
Una vez que se entrega la salida de los contenedores, establecen los acuerdos de Free time (Tiempo libre de entrega del contenedor).
De esta forma, al realizar la entrega de los contenedores en el depósito, se hacen las revisiones y se firman las constancias de los documentos.
Si los contenedores no se devuelven en el tiempo acordado (generalmente 5 días) las navieras tendrán el derecho a una indemnización por mayor utilización del contenedor “Demurrage”.
En conclusión, los seguros de contenedores son un soporte para los riesgos de las operaciones de comercio exterior, proporcionan protección al patrimonio de las compañías navieras, así como para los consignatarios. Estas pólizas, complementan a los seguros de transporte tradicionales.
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