32 Panorámica general del sector del Project Cargo OVERVIEW OF THE PROJECT CARGO INDUSTRY vity of the handling operations during transport. Thus, from the insurance point of view, the main cause is the damage and/or loss of the goods, not only with respect to the critical equipment, but also to their accessories and materials that are transported for the purpose of a project. Critical equipment requires special attention, so leaving it in the hands of specialized companies ”is a non-negotiable point to avoid this main cause of accidents”. Along with damage, project delay is a potential event to be covered. Olga de Luaces highlights the Delay Start-Up coverage as one that provides insurance support for another of the main causes of claims in Project Cargo logistics. These delays in the start or execution of the project,” she says, ”are another of the turning points that, for claims purposes, are the least desired by the underwriters. In addition, de Luaces stresses the ”fundamental” role that the correct drafting of contracts plays in avoiding errors or loopholes that can lead to long disputes between the parties; disputes that can paralyze the transport process. Therefore, it cal ls importers, exporters, shippers, freight forwarders, carriers or shipowners, among other actors, to pay due attention and caution to their contracts when distributing responsibilities. INSURANCE EVOLUTION The insurance sector is evolving very rapidly, as confirmed by Olga de Luaces, who believes that companies ”have realized that they must adapt to the emerging needs of today and now, and are leaving behind the old philosophy of ‘risk transfer’ to incorporate new tools and technologies in order to improve the quality of the risks assumed. With regard to Project Cargo, he detects clear trends in the insurance market, such as the search for increasingly LOS ARANCELES INCREMENTARÁN EL COSTE DEL SEGURO Los aranceles anunciados por Trump abonan el terreno para un nuevo incremento de los costes logísticos y Olga de Luaces, Senior Broker Aviation, Transportation & Logistics Specialty de AON, apunta que el mercado asegurador trabaja ya para afrontar los próximos aumentos de los valores asegurados. “Aranceles de hasta un 25% para productos importados desde China, Canadá o Unión Europea incrementarán el coste de las mercancías y, por tanto, el coste del seguro”, advierte. AON ha recibido ya consultas de clientes de sectores como el automotriz, el acero y el agrícola, que muestran gran preocupación, no sólo por las consecuencias económicas, sino también por las posibles brechas que puedan afectar a sus cadenas de suministro o contratos con grandes clientes norteamericanos. “Ahora más que nunca es importante contar con una cobertura completa y amplia tanto para los daños físicos a las mercancías como para poder asumir los riesgos económicos derivados del actual marco geopol ítico, agravado por la nueva política arancelaria de EE.UU.”, según de Luaces, quien adelanta que pronto crecerá el interés de la industria en pólizas con coberturas completas Daños+DSU que hasta ahora no habían valorado tan positivamente por el coste de las primas. TARIFFS WILL INCREASE THE COST OF INSURANCE The tariffs announced by Trump pave the way for a new increase in logistics costs and Olga de Luaces, Senior Broker Aviation, Transportation & Logistics Specialty at AON, points out that the insurance market is already working to address the upcoming increases in insured values. ”Tariffs of up to 25% for products imported from China, Canada or the European Union will increase the cost of goods and, therefore, the cost of insurance,” she warns. AON has already received inquiries from clients in sectors such as automotive, steel and agriculture, who are very concerned, not only about the economic consequences, but also about potential gaps that could affect their supply chains or contracts with large North American customers. ”Now more than ever it is important to have complete and comprehensive coverage both for physical damage to goods and to be able to assume the economic risks derived from the current geopolitical framework , aggravated by the new U.S. tariff policy,” according to de Luaces, who anticipates that the industry’s interest in policies with complete Damage+DSU coverage will soon grow, which until now had not been valued so positively due to the cost of premiums. f La búsqueda de puertos alternativos provocará retrasos en las puestas en marcha de los proyectos./ The search for alternative ports will cause delays in the implementation of the projects.
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