In 2025, the transport industry will still face numerous challenges, such as rising fuel costs, changing regulations, and increasing competition. In this dynamic environment, risk management becomes a key factor influencing the profitability of transport companies. One of the most important tools in this regard is the carrier's civil liability insurance (OCPD). 

The Risks of Modern Road Transport 

Transport companies, while engaged in the seemingly simple task of moving goods, are exposed to a range of potential threats: 

• Damage to Goods: Even with the highest loading and transportation standards, road accidents, adverse weather conditions, or human errors can lead to damage to the cargo. 

• Thefts: Especially in international transport, the risk of theft of goods, particularly in areas with higher crime rates, poses a serious threat. 

• Delivery Delays: Logistical problems, vehicle breakdowns, or unforeseen road incidents can result in significant delays, negatively impacting the company's reputation and its relationships with customers. 

Each of these events can lead to significant financial losses and the loss of credibility in the eyes of customers. OCPD insurance is a crucial tool that allows for effective management of these risks. 

What Does OCPD Insurance Provide? 

OCPD insurance (carrier's civil liability) protects the transport company from the financial consequences arising from damage, loss, or delays in the delivery of goods. In practice, this means that: 

• Minimises Costs: In the case of customer claims related to damage or loss of goods, insurance covers compensation costs, protecting the company from significant expenses. 

• Builds Credibility: Customers are increasingly paying attention to the insurance held by carriers. Offering appropriate insurance coverage can be a significant decision factor when choosing a transport partner. 

• Provides Peace of Mind: OCPD insurance allows companies to focus on business development rather than worrying about potential consequences of unforeseen events. 

Optimising Insurance Costs 

Although OCPD insurance comes with regular costs, its absence can lead to significantly greater financial losses. To maximise the benefits of insurance, it is worth paying attention to the following aspects: 

• Choosing the right policy – multi-agencies, such as SKAT, collaborating with many insurance companies, can help find the best solution tailored to your needs.  

• Regular risk analysis – understanding which risks are most common in a given company allows for better fitting of insurance terms.  

• Building a good insurance history – avoiding incidents resulting in claims can lower insurance premiums in the future. 

OCPD as an Investment in the Future 

In an increasingly competitive transport environment, OCPD insurance is no longer just an additional cost, but a strategic investment. Companies that effectively manage their risks gain a competitive edge, build lasting relationships with customers, and have a greater chance of long-term success. 

In 2025 and beyond, OCPD insurance will play a key role in ensuring the profitability and stability of transport companies, both in the domestic and international markets.