{"id":7040,"date":"2026-06-28T21:46:16","date_gmt":"2026-06-28T14:46:16","guid":{"rendered":"https:\/\/hntshipping.com.vn\/?p=7040"},"modified":"2026-06-28T21:55:08","modified_gmt":"2026-06-28T14:55:08","slug":"what-is-cargo-insurance-and-lc-payment-2","status":"publish","type":"post","link":"https:\/\/hntshipping.com.vn\/en\/bao-hiem-hang-hoa-la-gi-va-thanh-toan-lc\/","title":{"rendered":"What Is Cargo Insurance? Experience in Buying Insurance and L\/C Payment Methods"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>What is cargo insurance<\/strong> is a question that only becomes urgent when the container has left Cat Lai Port, goods are wet, or L\/C documents are rejected by the bank. Businesses need to finalize the insurance scope before finalizing price, sailing schedule, and delivery terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2026, <a href=\"https:\/\/trungtamwto.vn\/su-kien\/27292-viet-nam-la-quoc-gia-dung-thu-3-the-gioi-ve-xuat-khau-thuy-san\" target=\"_blank\" rel=\"noopener\">Vietnam's seafood exports<\/a> reaches about 11.3 billion USD, an increase of more than 12% compared to the previous year. In the first four months of 2026, the industry continues to reach about 3.656 billion USD. Container freight rates also fluctuated strongly in June 2026, making the risk value per shipment no longer as low as initially estimated.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This article helps businesses understand what cargo insurance is, choose appropriate clauses, coordinate L\/C payment, control documents, and handle claims. The focus is on protecting cash flow for agricultural products, seafood, and temperature-controlled goods.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Situations where businesses should buy Cargo Insurance right from contract negotiation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cargo insurance must be negotiated together with selling price and Incoterms conditions. Do not wait until the sailing schedule is available. Risk does not only come from sinking ships. Goods may be damaged during transshipment, refrigerated containers may lose power, or goods may be refused upon delivery.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/hntshipping.com.vn\/wp-content\/uploads\/2026\/06\/nhung-tinh-huong-doanh-nghiep-nen-mua-cargo-insurance-ngay-tu-khi-dam-phan-hop-dong-1782203522815_no_wm.png\" alt=\"what is cargo insurance\" title=\"Situations where businesses should buy Cargo Insurance right from contract negotiation\"\/><figcaption class=\"wp-element-caption\">Situations where businesses should buy Cargo Insurance right from contract negotiation<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Signs of high-risk shipments despite low transportation costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Low freight does not mean low risk. Shipments with many transshipment points, long port storage time, or routes through unstable regions need separate assessment. Fresh goods, frozen goods, and high-value goods are more likely to suffer losses greater than freight costs.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Goods passing through multiple transshipment ports increase the risk of breakage, mold, and temperature deviation.<\/li>\n\n\n\n<li>Reefer containers require tight temperature control, continuous monitoring of generators and temperature logs.<\/li>\n\n\n\n<li>Deferred payment shipments can cause material losses accompanied by cash flow pressure.<\/li>\n\n\n\n<li>Routes with frequently changing schedules prolong storage time and increase the risk of container storage fees.<\/li>\n\n\n\n<li>Goods packaged with poor moisture-absorbing materials are easily damaged when condensation occurs during sea transit.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Sign<\/th>\n<th>Main risks<\/th>\n<th>Scope to consider<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Sea freight for fresh goods<\/td>\n<td>Cold chain breakage<\/td>\n<td>Wide clauses and expanded refrigeration equipment coverage<\/td>\n<\/tr>\n<tr>\n<td>Multiple transshipment points<\/td>\n<td>Per-shipment loss<\/td>\n<td>All-risk coverage suitable<\/td>\n<\/tr>\n<tr>\n<td>High-value goods<\/td>\n<td>Insufficient insured amount<\/td>\n<td>Insurance based on CIF value plus margin<\/td>\n<\/tr>\n<tr>\n<td>Volatile routes<\/td>\n<td>Transit delays<\/td>\n<td>Consider war and strikes<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Example, Mekong Fruit Company in Tien Giang exported a 40-foot dragon fruit container to Shanghai. Freight was 180 USD cheaper than the direct route. However, the ship transshipped at Ningbo. The business bought cargo insurance with broad clauses and avoided disputes when three pallets were affected by condensation water.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another example, An Phu Wood Company in Binh Duong sent a full container to Rotterdam. Fixed freight made them complacent. When the transshipment port was congested, the goods were stored for an additional 11 days. Insurance did not cover late delivery penalties, but helped the business clearly identify the covered physical losses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Practical tips:<\/strong> build a risk scoring table based on cargo value, transit time, temperature sensitivity, and number of transshipments. High scores should trigger insurance quotation requests before signing the purchase contract.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How to determine whether buyer or seller is responsible for insurance under delivery terms<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance responsibility must be read together with Incoterms and contracts. With CIF or CIP, the seller usually arranges minimum insurance coverage under agreed terms. With FOB, FCA, or EXW, the buyer usually proactively purchases insurance after risk transfer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do not confuse who pays with who bears risk. The seller may pay sea freight, but risk has already transferred to the buyer at another point. The contract should clearly state the insured party, route, scope, deductible, and obligation to report loss.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why many businesses only discover missing insurance when losses occur<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many businesses only look at the insurance certificate without reading the clauses. Common mistakes are insurance starting after the shipping date, incorrect goods description, or exclusions for losses due to improper packaging. When surveying occurs, small details become grounds for denial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo kinh nghi\u1ec7m khai th\u00e1c th\u1ef1c t\u1ebf, thi\u1ebfu b\u1ea3o hi\u1ec3m th\u01b0\u1eddng xu\u1ea5t ph\u00e1t t\u1eeb ba kho\u1ea3ng tr\u1ed1ng: \u0111\u1ed9i kinh doanh ch\u1ed1t Incoterms, \u0111\u1ed9i ch\u1ee9ng t\u1eeb ph\u00e1t h\u00e0nh B\/L v\u00e0 \u0111\u1ed9i v\u1eadn h\u00e0nh \u0111\u1eb7t ch\u1ed7 t\u00e0u nh\u01b0ng kh\u00f4ng c\u00f3 m\u1ed9t ng\u01b0\u1eddi ch\u1ecbu tr\u00e1ch nhi\u1ec7m ki\u1ec3m so\u00e1t t\u1ed5ng th\u1ec3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u1ed1i li\u00ean h\u1ec7 gi\u1eefa b\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a, thanh to\u00e1n L\/C v\u00e0 ngh\u0129a v\u1ee5 ch\u1ee9ng t\u1eeb<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 n\u1eafm \u0111\u01b0\u1ee3c kh\u00e1i ni\u1ec7m cargo insurance l\u00e0 g\u00ec v\u1eabn ch\u01b0a \u0111\u1ee7. Doanh nghi\u1ec7p ph\u1ea3i hi\u1ec3u gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m l\u00e0 ch\u1ee9ng t\u1eeb ng\u00e2n h\u00e0ng ki\u1ec3m tra khi thanh to\u00e1n L\/C. Ng\u00e2n h\u00e0ng ch\u1ec9 xem x\u00e9t s\u1ef1 ph\u00f9 h\u1ee3p b\u1ec1 m\u1eb7t c\u1ee7a ch\u1ee9ng t\u1eeb. Ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u00e1nh gi\u00e1 h\u00e0ng th\u1ef1c t\u1ebf c\u00f3 an to\u00e0n hay kh\u00f4ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">HNT LOGISTICS khuy\u1ebfn ngh\u1ecb kh\u00f3a d\u1eef li\u1ec7u b\u1ea3o hi\u1ec3m, h\u00f3a \u0111\u01a1n th\u01b0\u01a1ng m\u1ea1i, v\u1eadn \u0111\u01a1n v\u00e0 th\u01b0 t\u00edn d\u1ee5ng trong m\u1ed9t b\u1ea3ng ki\u1ec3m so\u00e1t phi\u00ean b\u1ea3n. C\u00e1ch n\u00e0y gi\u1ea3m l\u1ed7i t\u00ean ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng, ng\u00e0y hi\u1ec7u l\u1ef1c v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi b\u1ed9 ch\u1ee9ng t\u1eeb \u0111\u01b0\u1ee3c xu\u1ea5t tr\u00ecnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a theo gi\u00e1 tr\u1ecb l\u00f4 h\u00e0ng v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a l\u00e0 g\u00ec trong g\u00f3c nh\u00ecn mua h\u00e0ng? \u0110\u00f3 l\u00e0 c\u01a1 ch\u1ebf chuy\u1ec3n m\u1ed9t ph\u1ea7n r\u1ee7i ro t\u00e0i ch\u00ednh cho doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m theo ph\u1ea1m vi \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn. G\u00f3i r\u1ebb nh\u1ea5t kh\u00f4ng lu\u00f4n l\u00e0 g\u00f3i h\u1ee3p l\u00fd. Ph\u1ea1m vi ph\u1ea3i kh\u1edbp v\u1edbi lo\u1ea1i h\u00e0ng, tuy\u1ebfn \u0111i v\u00e0 kh\u1ea3 n\u0103ng ch\u1ecbu l\u1ed7 c\u1ee7a doanh nghi\u1ec7p.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/hntshipping.com.vn\/wp-content\/uploads\/2026\/06\/chon-goi-bao-hiem-hang-hoa-theo-gia-tri-lo-hang-va-muc-do-rui-ro-1782203576870_no_wm.png\" alt=\"Ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a theo gi\u00e1 tr\u1ecb l\u00f4 h\u00e0ng v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro\" title=\"Ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a theo gi\u00e1 tr\u1ecb l\u00f4 h\u00e0ng v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro\"\/><figcaption class=\"wp-element-caption\">Ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a theo gi\u00e1 tr\u1ecb l\u00f4 h\u00e0ng v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Khi n\u00e0o n\u00ean ch\u1ecdn ICC A thay v\u00ec ICC B ho\u1eb7c ICC C<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">ICC C th\u01b0\u1eddng h\u1eb9p h\u01a1n, ph\u00f9 h\u1ee3p h\u00e0ng \u00edt nh\u1ea1y c\u1ea3m v\u00e0 h\u00e0nh tr\u00ecnh \u0111\u01a1n gi\u1ea3n. ICC B m\u1edf r\u1ed9ng th\u00eam m\u1ed9t s\u1ed1 r\u1ee7i ro t\u1ef1 nhi\u00ean. ICC A c\u00f3 ph\u1ea1m vi r\u1ed9ng h\u01a1n, nh\u01b0ng v\u1eabn c\u00f3 c\u00e1c lo\u1ea1i tr\u1eeb quan tr\u1ecdng. H\u00e0ng th\u1ee7y s\u1ea3n \u0111\u00f4ng l\u1ea1nh, tr\u00e1i c\u00e2y t\u01b0\u01a1i v\u00e0 thi\u1ebft b\u1ecb gi\u00e1 tr\u1ecb cao th\u01b0\u1eddng c\u1ea7n xem ICC A c\u00f9ng \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng th\u00edch h\u1ee3p.<\/p>\n\n\n\n<div class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>\u0110i\u1ec1u kho\u1ea3n<\/th>\n<th>Suitable<\/th>\n<th>L\u01b0u \u00fd ki\u1ec3m tra<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>ICC C<\/td>\n<td>H\u00e0ng kh\u00f4, r\u1ee7i ro th\u1ea5p<\/td>\n<td>Ph\u1ea1m vi h\u1eb9p<\/td>\n<\/tr>\n<tr>\n<td>ICC B<\/td>\n<td>H\u00e0ng c\u00f3 nguy c\u01a1 n\u01b0\u1edbc bi\u1ec3n<\/td>\n<td>Kh\u00f4ng thay th\u1ebf ICC A<\/td>\n<\/tr>\n<tr>\n<td>ICC A<\/td>\n<td>High-value goods<\/td>\n<td>\u0110\u1ecdc k\u1ef9 lo\u1ea1i tr\u1eeb<\/td>\n<\/tr>\n<tr>\n<td>\u0110i\u1ec1u kho\u1ea3n l\u1ea1nh<\/td>\n<td>Seafood, fruits<\/td>\n<td>Y\u00eau c\u1ea7u nh\u1eadt k\u00fd nhi\u1ec7t \u0111\u1ed9<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00e1ch \u0111\u1ecdc \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb tr\u01b0\u1edbc khi k\u00fd \u0111\u01a1n b\u1ea3o hi\u1ec3m<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ecdc ph\u1ea7n lo\u1ea1i tr\u1eeb tr\u01b0\u1edbc ph\u1ea7n quy\u1ec1n l\u1ee3i. C\u00e1c \u0111i\u1ec1u kho\u1ea3n th\u01b0\u1eddng lo\u1ea1i tr\u1eeb t\u1ed5n th\u1ea5t do bao b\u00ec kh\u00f4ng ph\u00f9 h\u1ee3p, ch\u1eadm tr\u1ec5, hao h\u1ee5t t\u1ef1 nhi\u00ean, h\u00e0nh vi c\u1ed1 \u00fd v\u00e0 t\u00ecnh tr\u1ea1ng kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng \u0111i bi\u1ec3n \u0111\u00e3 bi\u1ebft tr\u01b0\u1edbc. H\u00e0ng l\u1ea1nh c\u00f2n c\u1ea7n ki\u1ec3m tra m\u1ea5t \u0111i\u1ec7n, h\u1ecfng m\u00e1y l\u1ea1nh v\u00e0 \u0111i\u1ec1u ki\u1ec7n v\u1eadn h\u00e0nh container.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m chi\u1ebfn tranh, \u0111\u00ecnh c\u00f4ng v\u00e0 c\u00e1c ph\u1ee5 ph\u00ed d\u1ec5 b\u1ecb b\u1ecf s\u00f3t<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">R\u1ee7i ro chi\u1ebfn tranh, \u0111\u00ecnh c\u00f4ng v\u00e0 b\u1ea5t \u1ed5n d\u00e2n s\u1ef1 th\u01b0\u1eddng kh\u00f4ng t\u1ef1 \u0111\u1ed9ng n\u1eb1m trong ph\u1ea1m vi c\u01a1 b\u1ea3n. Khi tuy\u1ebfn \u0111i qua khu v\u1ef1c c\u00f3 nguy c\u01a1 gi\u00e1n \u0111o\u1ea1n, doanh nghi\u1ec7p ph\u1ea3i h\u1ecfi r\u00f5 ph\u1ee5 ph\u00ed v\u00e0 th\u1eddi gian hi\u1ec7u l\u1ef1c. Bi\u1ebfn \u0111\u1ed9ng c\u01b0\u1edbc tr\u00ean c\u00e1c tuy\u1ebfn \u00c1 &#8211; \u00c2u trong th\u00e1ng 6 n\u0103m 2026 cho th\u1ea5y doanh nghi\u1ec7p kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh l\u1ecbch tr\u00ecnh lu\u00f4n \u1ed5n \u0111\u1ecbnh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00e1ch t\u00ednh s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u1ec3 tr\u00e1nh thi\u1ebfu ho\u1eb7c th\u1eeba ph\u1ea1m vi b\u1ea3o v\u1ec7<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ee9c b\u1ea3o hi\u1ec3m th\u01b0\u1eddng d\u1ef1a tr\u00ean gi\u00e1 CIF, c\u1ed9ng t\u1ef7 l\u1ec7 bi\u00ean \u0111\u1ed9 theo th\u1ecfa thu\u1eadn. Kh\u00f4ng n\u00ean ch\u1ec9 l\u1ea5y gi\u00e1 h\u00f3a \u0111\u01a1n. C\u1ea7n c\u1ed9ng c\u01b0\u1edbc, ph\u00ed b\u1ea3o hi\u1ec3m, chi ph\u00ed li\u00ean quan v\u00e0 bi\u00ean \u0111\u1ed9 l\u1ee3i nhu\u1eadn h\u1ee3p l\u00fd. B\u1ea3o hi\u1ec3m thi\u1ebfu gi\u00e1 tr\u1ecb c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn b\u1ed3i th\u01b0\u1eddng theo t\u1ef7 l\u1ec7.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>X\u00e1c \u0111\u1ecbnh gi\u00e1 h\u00e0ng theo h\u00f3a \u0111\u01a1n th\u01b0\u01a1ng m\u1ea1i v\u00e0 ti\u1ec1n t\u1ec7 thanh to\u00e1n \u0111\u00e3 ghi trong h\u1ee3p \u0111\u1ed3ng.<\/li>\n\n\n\n<li>C\u1ed9ng c\u01b0\u1edbc v\u1eadn t\u1ea3i, ph\u1ee5 ph\u00ed tuy\u1ebfn v\u00e0 chi ph\u00ed ph\u00e1t sinh thu\u1ed9c ph\u1ea1m vi giao h\u00e0ng \u0111\u00e3 th\u1ecfa thu\u1eadn.<\/li>\n\n\n\n<li>Ki\u1ec3m tra t\u1ef7 l\u1ec7 c\u1ed9ng th\u00eam, th\u01b0\u1eddng ph\u1ee5c v\u1ee5 chi ph\u00ed x\u1eed l\u00fd v\u00e0 bi\u00ean \u0111\u1ed9 l\u1ee3i nhu\u1eadn h\u1ee3p l\u00fd.<\/li>\n\n\n\n<li>\u0110\u1ed1i chi\u1ebfu s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u1edbi \u0111i\u1ec1u ki\u1ec7n t\u1ed1i thi\u1ec3u ghi trong th\u01b0 t\u00edn d\u1ee5ng ho\u1eb7c h\u1ee3p \u0111\u1ed3ng mua b\u00e1n.<\/li>\n\n\n\n<li>Y\u00eau c\u1ea7u x\u00e1c nh\u1eadn b\u1eb1ng v\u0103n b\u1ea3n v\u1ec1 m\u1ee9c kh\u1ea5u tr\u1eeb cho t\u1eebng lo\u1ea1i t\u1ed5n th\u1ea5t c\u00f3 th\u1ec3 ph\u00e1t sinh.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5, Nh\u00e0 M\u00e1y Th\u1ee7y S\u1ea3n Bi\u1ec3n Ng\u1ecdc t\u1ea1i C\u00e0 Mau xu\u1ea5t t\u00f4m \u0111\u00f4ng l\u1ea1nh sang Osaka b\u1eb1ng container 40 feet. Doanh nghi\u1ec7p ch\u1ecdn \u0111i\u1ec1u kho\u1ea3n r\u1ed9ng, m\u1edf r\u1ed9ng r\u1ee7i ro thi\u1ebft b\u1ecb l\u1ea1nh v\u00e0 y\u00eau c\u1ea7u nh\u1eadt k\u00fd nhi\u1ec7t \u0111\u1ed9. Sau s\u1ef1 c\u1ed1 m\u1ea5t ngu\u1ed3n trong l\u00fac ch\u1edd c\u1ea7u b\u1ebfn, d\u1eef li\u1ec7u nhi\u1ec7t \u0111\u1ed9 gi\u00fap qu\u00e1 tr\u00ecnh gi\u00e1m \u0111\u1ecbnh k\u1ebft th\u00fac nhanh h\u01a1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another example, Central Highlands Coffee Company in Dak Lak sells under CIF to Hamburg. The invoice value is 220,000 USD but the insurance amount only states 220,000 USD. When a loss occurs, freight costs and margins are not fully reflected. This is a pricing error, not the insurer's fault.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Practical tips:<\/strong> Request quotations under three options ICC C, ICC B and ICC A. Then compare the premium differences with the maximum loss level the business can self-insure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Coordinate Cargo Insurance with payment methods to reduce cash flow risk<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\/C payment and insurance must operate as a documentary system. If the insurance is correct but issued with the wrong name, wrong date, or wrong amount, the bank may still raise discrepancies. Businesses need to check the letter of credit before requesting issuance of the certificate.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/hntshipping.com.vn\/wp-content\/uploads\/2026\/06\/phoi-hop-cargo-insurance-voi-phuong-thuc-thanh-toan-de-giam-rui-ro-dong-tien-1782203622809_no_wm.png\" alt=\"Coordinate Cargo Insurance with payment methods to reduce cash flow risk\" title=\"Coordinate Cargo Insurance with payment methods to reduce cash flow risk\"\/><figcaption class=\"wp-element-caption\">Coordinate Cargo Insurance with payment methods to reduce cash flow risk<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Insurance document requirements in L\/C payment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In L\/C payment, the letter of credit may require an insurance certificate or original insurance policy. The document must show the insured party, currency, insured amount, route, and appropriate risks. The issuance date must not create any insurance gap before the shipment date.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The ICC 600 rules of the International Chamber of Commerce are a common reference framework for documentary payments. However, businesses must not assume. The specific terms of each L\/C determine whether the document set is compliant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Errors in the Insurance Certificate that cause document sets to be rejected<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Common errors include incorrect beneficiary name, missing endorsements when required, insured amount lower than required, cargo description inconsistent with the invoice, or effective date after shipment date. Minor errors can delay payment by many days, especially when the buyer is in a commercial dispute.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison of risk control levels between L\/C and documentary collection method<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Documentary collection method<\/strong> has lower banking costs, but the level of payment control is usually lower than L\/C. Banks in collection mainly transfer documents according to instructions. The bank does not commit to payment as the issuing bank in an L\/C does. Therefore, insurance cannot replace credit assessment of the buyer.<\/p>\n\n\n\n<div class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Criteria<\/th>\n<th>L\/C payment<\/th>\n<th>Documentary collection method<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Bank commitment<\/td>\n<td>Conditional<\/td>\n<td>No payment commitment<\/td>\n<\/tr>\n<tr>\n<td>Document risk<\/td>\n<td>High if discrepancies<\/td>\n<td>Lower in inspection<\/td>\n<\/tr>\n<tr>\n<td>Cost<\/td>\n<td>Higher<\/td>\n<td>Lower<\/td>\n<\/tr>\n<tr>\n<td>Suitable<\/td>\n<td>New customers, high value<\/td>\n<td>Regular customers, good credit<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Synchronizing the timing of insurance issuance with shipping and payment schedules<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Issuing insurance after the goods have been shipped is a major risk. Finalize data before the estimated ETD, then recheck when the B\/L is issued. If the vessel changes route or transshipment port, assess the impact on the insurance itinerary and document presentation period.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Review each insurance requirement in the L\/C before booking the vessel and issuing shipping instructions.<\/li>\n\n\n\n<li>Lock in goods name, vessel name, departure port, destination port, and beneficiary using the same data source.<\/li>\n\n\n\n<li>Require issuance of documents before or on the shipment date as specified by the L\/C terms.<\/li>\n\n\n\n<li>Compare insured amount with invoice, freight, and the additional percentage required in the L\/C.<\/li>\n\n\n\n<li>Create a discrepancy checklist to fix documents before the bank presentation deadline.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For example, Dien Hoa Phat Company in Dong Nai exports components to Long Beach. The L\/C requires insurance amount at least 110% of CIF value. The documentation team issued without including ocean freight. The bank raised discrepancies, causing the company to spend four days to amend.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another example, My Xuong Mango Cooperative in Dong Thap sells mangoes to South Korea under documentary collection. Because the buyer is a regular customer, they use collection but still buy broad insurance for refrigerated containers. This decision protects the physical goods but does not eliminate the risk of the buyer delaying document acceptance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Practical tips:<\/strong> Designate a final approver for the document set, responsible for cross-checking the L\/C, insurance certificate, invoice, and bill of lading before submission to the bank.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Process of purchasing cargo insurance from pre-shipment to receipt of goods<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">What is cargo insurance in the operational workflow? It is a data chain that must be controlled from quotation to delivery. An accurate insurance policy must align with the contract, transport schedule, goods type, and documentation instructions.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/hntshipping.com.vn\/wp-content\/uploads\/2026\/06\/quy-trinh-mua-bao-hiem-hang-hoa-tu-truoc-khi-xuat-hang-den-khi-nhan-hang-1782203671296_no_wm.png\" alt=\"Process of purchasing cargo insurance from pre-shipment to receipt of goods\" title=\"Process of purchasing cargo insurance from pre-shipment to receipt of goods\"\/><figcaption class=\"wp-element-caption\">Process of purchasing cargo insurance from pre-shipment to receipt of goods<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Checklist to prepare before requesting an insurance quotation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Businesses need to prepare contracts, expected invoices, delivery terms, goods descriptions, packaging specifications, transport routes, and delivery schedules. For cold chain goods, add set temperature, container type, ventilation requirements, and temperature monitoring equipment.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Define Incoterms conditions, risk transfer points, and the party responsible for purchasing insurance.<\/li>\n\n\n\n<li>Provide goods value, currency, estimated freight, and additional coverage amount required.<\/li>\n\n\n\n<li>Correctly describe product codes, number of packages, weight, packaging method, and storage conditions.<\/li>\n\n\n\n<li>Clearly state transport method, port of departure, destination port, transshipment points, and transit time.<\/li>\n\n\n\n<li>Specify L\/C requirements, beneficiary, and additional clauses required in documents.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Information to verify before confirming the insurance policy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Before confirmation, check buyer, seller, insured party, route, amount, terms, deductible, and effective date. In particular, the product name must match the commercial invoice. Too general descriptions may create gaps during inspection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Monitoring insurance validity throughout transportation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance should not be considered complete once the vessel departs. Monitor ETA, transshipment, port changes, and container status. If goods are stored, rerouted, or transport mode changes, notify the insurer immediately for written guidance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Common errors when declaring value and product type<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Errors often occur when staff use outdated quotation data, ignore surcharges, or use commercial names that do not match HS Code. For food products, clearly state frozen status, temperature, and quarantine requirements. Do not use abbreviated descriptions when L\/C documents require details.<\/p>\n\n\n\n<div class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Records<\/th>\n<th>Purpose<\/th>\n<th>Matching points<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Contract<\/td>\n<td>Define responsibility<\/td>\n<td>Incoterms and price<\/td>\n<\/tr>\n<tr>\n<td>Invoice<\/td>\n<td>Define amount<\/td>\n<td>Product name and currency<\/td>\n<\/tr>\n<tr>\n<td>Bill of lading<\/td>\n<td>Define route<\/td>\n<td>Port and delivery date<\/td>\n<\/tr>\n<tr>\n<td>Insurance certificate<\/td>\n<td>Proof of coverage<\/td>\n<td>Beneficiary and terms<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">For example, Dalat Vegetable Company in Lam Dong exports vegetables to Singapore by air. The initial insurance policy stated \u201cfresh vegetables\u201d but did not specify storage temperature. The company requested adjustment before the flight, ensuring documentation reflected actual conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another example, Eastern South Electronics Company in Da Nang exports circuit boards to Bangkok. The flight schedule changed to a connecting flight via Kuala Lumpur. The operations team notified early, so the insurance route was updated and no coverage gap occurred.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Practical tips:<\/strong> Maintain a standard data record for each shipment. All departments must use the same batch code, product name, value, and route.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Handling compensation when goods are damaged or lost during transport<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">What is cargo insurance when an incident has occurred? It is the right to claim compensation, but this right only applies when the business preserves evidence and complies with notification deadlines. The first 24 hours often determine the quality of the later claim file.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/hntshipping.com.vn\/wp-content\/uploads\/2026\/06\/xu-ly-boi-thuong-khi-hang-hoa-ton-that-hoac-that-lac-trong-qua-trinh-van-chuyen-1782203727073_no_wm.png\" alt=\"Handling compensation when goods are damaged or lost during transport\" title=\"Handling compensation when goods are damaged or lost during transport\"\/><figcaption class=\"wp-element-caption\">Handling compensation when goods are damaged or lost during transport<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Actions required within the first 24 hours after detecting an incident<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Immediately upon discovering loss or damage, the business must minimize damage, take photos, preserve the scene where possible, and notify the shipping line, carrier, insurance agent, and related seller or buyer. Do not dispose of goods without inspection instructions.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prepare an incident report with the port, warehouse, or freight forwarder immediately upon noticing signs of damage.<\/li>\n\n\n\n<li>Ch\u1ee5p \u1ea3nh bao b\u00ec, ni\u00eam phong, s\u1ed1 container, h\u00e0ng h\u01b0 h\u1ea1i v\u00e0 t\u00ecnh tr\u1ea1ng nhi\u1ec7t \u0111\u1ed9 m\u1ed9t c\u00e1ch li\u00ean t\u1ee5c.<\/li>\n\n\n\n<li>G\u1eedi th\u00f4ng b\u00e1o t\u1ed5n th\u1ea5t b\u1eb1ng v\u0103n b\u1ea3n cho b\u00ean b\u1ea3o hi\u1ec3m trong th\u1eddi h\u1ea1n quy \u0111\u1ecbnh c\u1ee7a \u0111\u01a1n b\u1ea3o hi\u1ec3m.<\/li>\n\n\n\n<li>Y\u00eau c\u1ea7u gi\u1eef quy\u1ec1n khi\u1ebfu n\u1ea1i ng\u01b0\u1eddi chuy\u00ean ch\u1edf b\u1eb1ng th\u01b0 d\u1ef1 kh\u00e1ng ho\u1eb7c th\u00f4ng b\u00e1o khi\u1ebfu n\u1ea1i ph\u00f9 h\u1ee3p.<\/li>\n\n\n\n<li>L\u01b0u gi\u1eef h\u00e0ng h\u01b0 h\u1ea1i, m\u1eabu h\u00e0ng v\u00e0 c\u00e1c ch\u1ee9ng t\u1eeb \u0111\u1ec3 gi\u00e1m \u0111\u1ecbnh vi\u00ean c\u00f3 c\u01a1 s\u1edf x\u00e1c \u0111\u1ecbnh nguy\u00ean nh\u00e2n.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ed9 h\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng c\u1ea7n chu\u1ea9n b\u1ecb theo t\u1eebng tr\u01b0\u1eddng h\u1ee3p<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ed3 s\u01a1 c\u01a1 b\u1ea3n g\u1ed3m \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m, h\u1ee3p \u0111\u1ed3ng, h\u00f3a \u0111\u01a1n, phi\u1ebfu \u0111\u00f3ng g\u00f3i, v\u1eadn \u0111\u01a1n, bi\u00ean b\u1ea3n gi\u00e1m \u0111\u1ecbnh v\u00e0 th\u01b0 khi\u1ebfu n\u1ea1i ng\u01b0\u1eddi chuy\u00ean ch\u1edf. V\u1edbi h\u00e0ng l\u1ea1nh, b\u1ed5 sung nh\u1eadt k\u00fd nhi\u1ec7t \u0111\u1ed9, b\u00e1o c\u00e1o thi\u1ebft b\u1ecb v\u00e0 x\u00e1c nh\u1eadn c\u1ee7a kho l\u1ea1nh ho\u1eb7c c\u1ea3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00e1c nguy\u00ean nh\u00e2n khi\u1ebfn doanh nghi\u1ec7p b\u1ecb t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c nguy\u00ean nh\u00e2n ph\u1ed5 bi\u1ebfn g\u1ed3m t\u1ed5n th\u1ea5t thu\u1ed9c lo\u1ea1i tr\u1eeb, th\u00f4ng b\u00e1o qu\u00e1 mu\u1ed9n, khai b\u00e1o sai, \u0111\u00f3ng g\u00f3i kh\u00f4ng ph\u00f9 h\u1ee3p, kh\u00f4ng b\u1ea3o to\u00e0n quy\u1ec1n khi\u1ebfu n\u1ea1i ng\u01b0\u1eddi v\u1eadn chuy\u1ec3n ho\u1eb7c thi\u1ebfu ch\u1ee9ng c\u1ee9 nguy\u00ean nh\u00e2n. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00e0 cam k\u1ebft b\u1ed3i th\u01b0\u1eddng v\u00f4 \u0111i\u1ec1u ki\u1ec7n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00e1ch r\u00fat ng\u1eafn th\u1eddi gian gi\u00e1m \u0111\u1ecbnh v\u00e0 nh\u1eadn ti\u1ec1n b\u1ed3i th\u01b0\u1eddng<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 \u0111\u1ecbnh \u0111\u1ea7u m\u1ed1i \u0111i\u1ec1u ph\u1ed1i h\u1ed3 s\u01a1. S\u1eafp x\u1ebfp ch\u1ee9ng t\u1eeb theo d\u00f2ng th\u1eddi gian. Cho gi\u00e1m \u0111\u1ecbnh vi\u00ean ti\u1ebfp c\u1eadn container, h\u00e0ng v\u00e0 d\u1eef li\u1ec7u nhi\u1ec7t \u0111\u1ed9 s\u1edbm nh\u1ea5t. Kh\u00f4ng g\u1eedi nhi\u1ec1u phi\u00ean b\u1ea3n t\u00e0i li\u1ec7u m\u00e2u thu\u1eabn. M\u1ed9t b\u1ed9 h\u1ed3 s\u01a1 r\u00f5 r\u00e0ng gi\u00fap gi\u1ea3m s\u1ed1 v\u00f2ng y\u00eau c\u1ea7u b\u1ed5 sung.<\/p>\n\n\n\n<div class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Lo\u1ea1i s\u1ef1 c\u1ed1<\/th>\n<th>Ch\u1ee9ng c\u1ee9 \u01b0u ti\u00ean<\/th>\n<th>H\u00e0nh \u0111\u1ed9ng \u0111\u1ea7u ti\u00ean<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u01af\u1edbt h\u00e0ng<\/td>\n<td>\u1ea2nh, bi\u00ean b\u1ea3n c\u1ea3ng<\/td>\n<td>Gi\u1eef hi\u1ec7n tr\u01b0\u1eddng<\/td>\n<\/tr>\n<tr>\n<td>M\u1ea5t nhi\u1ec7t \u0111\u1ed9<\/td>\n<td>Temperature log<\/td>\n<td>Th\u00f4ng b\u00e1o gi\u00e1m \u0111\u1ecbnh<\/td>\n<\/tr>\n<tr>\n<td>Missing package<\/td>\n<td>Delivery note<\/td>\n<td>L\u1eadp bi\u00ean b\u1ea3n thi\u1ebfu h\u1ee5t<\/td>\n<\/tr>\n<tr>\n<td>V\u1ee1 h\u1ecfng<\/td>\n<td>\u1ea2nh bao b\u00ec v\u00e0 h\u00e0ng<\/td>\n<td>G\u1eedi th\u01b0 d\u1ef1 kh\u00e1ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5, C\u00f4ng ty Th\u1ef1c Ph\u1ea9m Bi\u1ec3n Xanh t\u1ea1i C\u00e0 Mau nh\u1eadn tin container c\u00e1 tra \u0111\u1ebfn Busan c\u00f3 nhi\u1ec7t \u0111\u1ed9 b\u1ea5t th\u01b0\u1eddng. H\u1ecd tr\u00edch xu\u1ea5t d\u1eef li\u1ec7u gi\u00e1m s\u00e1t trong ng\u00e0y, l\u1eadp bi\u00ean b\u1ea3n c\u1ea3ng v\u00e0 y\u00eau c\u1ea7u gi\u00e1m \u0111\u1ecbnh. H\u1ed3 s\u01a1 ho\u00e0n ch\u1ec9nh trong 48 gi\u1edd, thay v\u00ec k\u00e9o d\u00e0i nhi\u1ec1u tu\u1ea7n v\u00ec thi\u1ebfu d\u1eef li\u1ec7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5 kh\u00e1c, C\u00f4ng ty N\u1ed9i Th\u1ea5t S\u00f4ng H\u00e0n t\u1ea1i \u0110\u00e0 N\u1eb5ng ph\u00e1t hi\u1ec7n b\u1ed1n ki\u1ec7n h\u00e0ng m\u00f3p khi d\u1ee1 t\u1ea1i Sydney. Nh\u00e2n vi\u00ean nh\u1eadn h\u00e0ng k\u00fd bi\u00ean b\u1ea3n kh\u00f4ng b\u1ea3o l\u01b0u. Doanh nghi\u1ec7p v\u1eabn c\u00f3 \u1ea3nh, nh\u01b0ng quy\u1ec1n khi\u1ebfu n\u1ea1i ng\u01b0\u1eddi chuy\u00ean ch\u1edf suy y\u1ebfu \u0111\u00e1ng k\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Practical tips:<\/strong> chu\u1ea9n b\u1ecb s\u1eb5n \u201cb\u1ed9 ph\u1ea3n \u1ee9ng t\u1ed5n th\u1ea5t\u201d g\u1ed3m m\u1eabu th\u00f4ng b\u00e1o, danh s\u00e1ch li\u00ean h\u1ec7, h\u01b0\u1edbng d\u1eabn \u1ea3nh hi\u1ec7n tr\u01b0\u1eddng v\u00e0 bi\u1ec3u m\u1eabu th\u01b0 d\u1ef1 kh\u00e1ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u1ea3n tr\u1ecb chi ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 ngh\u0129a v\u1ee5 sau th\u00f4ng quan \u0111\u1ec3 t\u1ed1i \u01b0u l\u1ee3i nhu\u1eadn l\u00f4 h\u00e0ng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a l\u00e0 g\u00ec trong qu\u1ea3n tr\u1ecb l\u1ee3i nhu\u1eadn? \u0110\u00f3 l\u00e0 m\u1ed9t c\u1ea5u ph\u1ea7n gi\u00e1 v\u1ed1n v\u00e0 d\u1eef li\u1ec7u h\u1ea3i quan. Doanh nghi\u1ec7p c\u1ea7n ph\u00e2n bi\u1ec7t chi ph\u00ed b\u1ea3o hi\u1ec3m cho m\u1ee5c \u0111\u00edch th\u01b0\u01a1ng m\u1ea1i, tr\u1ecb gi\u00e1 t\u00ednh thu\u1ebf v\u00e0 h\u1ed3 s\u01a1 ki\u1ec3m tra sau th\u00f4ng quan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/hntshipping.com.vn\/wp-content\/uploads\/2026\/06\/quan-tri-chi-phi-bao-hiem-va-nghia-vu-sau-thong-quan-de-toi-uu-loi-nhuan-lo-hang-1782204025755_no_wm.png\" alt=\"Qu\u1ea3n tr\u1ecb chi ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 ngh\u0129a v\u1ee5 sau th\u00f4ng quan \u0111\u1ec3 t\u1ed1i \u01b0u l\u1ee3i nhu\u1eadn l\u00f4 h\u00e0ng\" title=\"Qu\u1ea3n tr\u1ecb chi ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 ngh\u0129a v\u1ee5 sau th\u00f4ng quan \u0111\u1ec3 t\u1ed1i \u01b0u l\u1ee3i nhu\u1eadn l\u00f4 h\u00e0ng\"\/><figcaption class=\"wp-element-caption\">Qu\u1ea3n tr\u1ecb chi ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 ngh\u0129a v\u1ee5 sau th\u00f4ng quan \u0111\u1ec3 t\u1ed1i \u01b0u l\u1ee3i nhu\u1eadn l\u00f4 h\u00e0ng<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Khi n\u00e0o n\u00ean mua b\u1ea3o hi\u1ec3m ri\u00eang t\u1eebng l\u00f4 v\u00e0 khi n\u00e0o n\u00ean d\u00f9ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edf<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m ri\u00eang t\u1eebng l\u00f4 ph\u00f9 h\u1ee3p doanh nghi\u1ec7p xu\u1ea5t kh\u00f4ng th\u01b0\u1eddng xuy\u00ean, tuy\u1ebfn bi\u1ebfn \u0111\u1ed9ng ho\u1eb7c h\u00e0ng c\u00f3 r\u1ee7i ro \u0111\u1eb7c bi\u1ec7t. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edf ph\u00f9 h\u1ee3p doanh nghi\u1ec7p c\u00f3 s\u1ea3n l\u01b0\u1ee3ng \u0111\u1ec1u, quy tr\u00ecnh khai b\u00e1o \u1ed5n \u0111\u1ecbnh v\u00e0 c\u1ea7n gi\u1ea3m th\u1eddi gian ph\u00e1t h\u00e0nh. Tuy nhi\u00ean, h\u1ee3p \u0111\u1ed3ng m\u1edf v\u1eabn c\u1ea7n khai b\u00e1o t\u1eebng chuy\u1ebfn \u0111\u1ea7y \u0111\u1ee7.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00e1ch \u0111\u01b0a chi ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0o b\u00e0i to\u00e1n gi\u00e1 v\u1ed1n xu\u1ea5t nh\u1eadp kh\u1ea9u<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Chi ph\u00ed b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c d\u1ef1 to\u00e1n c\u00f9ng c\u01b0\u1edbc, ph\u1ee5 ph\u00ed, \u0111\u00f3ng g\u00f3i, ki\u1ec3m d\u1ecbch, kho l\u1ea1nh v\u00e0 chi ph\u00ed t\u00e0i ch\u00ednh L\/C. Kh\u00f4ng n\u00ean ch\u1ec9 t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m. H\u00e3y so s\u00e1nh ph\u00ed v\u1edbi m\u1ee9c t\u1ed5n th\u1ea5t t\u1ed1i \u0111a v\u00e0 \u1ea3nh h\u01b0\u1edfng c\u1ee7a vi\u1ec7c ch\u1eadm thu ti\u1ec1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">T\u00e1c \u0111\u1ed9ng c\u1ee7a b\u1ea3o hi\u1ec3m \u0111\u1ebfn k\u00ea khai tr\u1ecb gi\u00e1 h\u1ea3i quan v\u00e0 n\u1ed9p thu\u1ebf h\u1ea3i quan<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For imported goods, insurance costs may be a factor in the customs value depending on the pricing terms and supporting documents. <a href=\"https:\/\/luatnguyen.vn\/van-ban-phap-luat\/nghi-dinh-167-2025-nd-cp-2026.html\" target=\"_blank\" rel=\"noopener\">Decree 167\/2026\/ND-CP<\/a> further clarified the method for determining the customs value of exported goods. Businesses should retain supporting documents to explain declared values and customs tax payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do not automatically add or exclude insurance costs without checking the delivery terms, invoice, and applicable regulations at the time the customs declaration is registered. When there are deferred payments or documents issued later, adjustments should be controlled according to customs authority guidance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Insurance document storage system for future inspections and settlements<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Store by shipment code and link contracts, customs declarations, invoices, bills of lading, insurance certificates, payment documents, and claim files. The system should provide role-based access and change history. This supports settlement, post-clearance audits, and customer dispute resolution.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Classify records by shipment code, transport route, customer, Incoterms conditions, and insurance period.<\/li>\n\n\n\n<li>Keep the original or a retrievable electronic copy of the insurance certificate and payment documents.<\/li>\n\n\n\n<li>Reconcile insurance costs with the cost of goods sold for each order to detect budget variances early.<\/li>\n\n\n\n<li>Link insurance records with customs declarations, invoices, and documents for post-clearance audits.<\/li>\n\n\n\n<li>Periodically review loss cases to adjust deductibles, coverage, and packaging procedures.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Model<\/th>\n<th>Suitable<\/th>\n<th>Benefits<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Per-shipment insurance<\/td>\n<td>Low volume<\/td>\n<td>Flexible by shipment<\/td>\n<\/tr>\n<tr>\n<td>Open policy<\/td>\n<td>Stable volume<\/td>\n<td>Shorter issuance time<\/td>\n<\/tr>\n<tr>\n<td>Digital storage<\/td>\n<td>Multiple departments<\/td>\n<td>Easy record retrieval<\/td>\n<\/tr>\n<tr>\n<td>Quarterly review<\/td>\n<td>High-risk goods<\/td>\n<td>Reduce repeated errors<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">For example, Phuoc Thanh Cashew Company in Binh Phuoc exports to Dubai every month. After six shipments, the business switched to an open insurance policy. Issuance time was reduced, but they still maintained a declaration form for each shipment to avoid missing route details.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another example, Viet Thinh Garment Company in Hai Phong imports materials under CIF terms. The insurance cost appears in the document set, but the finance department did not link it to the customs declaration file. During an internal review, the business spent many hours tracing the records. A storage system organized by shipment code resolved this bottleneck.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Practical tips:<\/strong> design the cost table with separate lines for insurance, risk surcharges, and loss handling costs. Do not combine everything into \u201clogistics costs\u201d because you will not see what is causing profit margins to decline.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What is cargo insurance<\/strong> is not just a fee paid before the journey. It is a tool for managing assets, documents, and cash flow. Export businesses should treat insurance, L\/C, and customs as a single control chain.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Finalize insurance responsibilities as soon as negotiating the Incoterms conditions and selling price with the buyer.<\/li>\n\n\n\n<li>Choose ICC A, ICC B, or ICC C based on the goods, route, loss tolerance, and L\/C requirements.<\/li>\n\n\n\n<li>Check the name, date, amount, and route on the insurance certificate before submitting the document set.<\/li>\n\n\n\n<li>Use an L\/C for high-risk transactions, but do not consider an L\/C a substitute for insurance.<\/li>\n\n\n\n<li>Report the loss immediately, preserve evidence, and retain the right to claim against the carrier.<\/li>\n\n\n\n<li>Save links to insurance files, bills of lading, declarations, and payment documents for each shipment code.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Based on HNT LOGISTICS' experience, businesses exporting agricultural products, seafood, and fresh goods should review insurance from the vessel booking stage and monitor temperature data throughout the journey. HNT LOGISTICS is a trusted freight forwarding and logistics partner for Vietnamese exporters nationwide, supporting route assessment, transport documentation, and risk control checkpoints before cargo leaves the port. As a professional transport provider,\u00a0<a href=\"https:\/\/hntshipping.com.vn\/en\/\">HNT LOGISTICS<\/a>\u00a0is committed to delivering comprehensive supply chain solutions, helping Vietnamese businesses confidently conquer global markets. Contact us today at 8A Hoang Minh Giam, Ho Chi Minh City or via the marketing email at hntshipping.com for quotation support!<\/p>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a l\u00e0 g\u00ec l\u00e0 c\u00e2u h\u1ecfi ch\u1ec9 tr\u1edf n\u00ean c\u1ea5p b\u00e1ch khi container \u0111\u00e3 r\u1eddi C\u1ea3ng C\u00e1t L\u00e1i, h\u00e0ng b\u1ecb \u01b0\u1edbt ho\u1eb7c ch\u1ee9ng t\u1eeb L\/C b\u1ecb ng\u00e2n h\u00e0ng b\u1eaft l\u1ed7i. Doanh nghi\u1ec7p c\u1ea7n ch\u1ed1t ph\u1ea1m vi b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi ch\u1ed1t gi\u00e1, l\u1ecbch t\u00e0u v\u00e0 \u0111i\u1ec1u ki\u1ec7n giao h\u00e0ng. N\u0103m 2026, xu\u1ea5t [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":7041,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[83],"tags":[],"class_list":["post-7040","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-van-tai-logistics"],"rankmath_keywords":{"primary":"b\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a l\u00e0 g\u00ec, cargo insurance l\u00e0 g\u00ec, thanh to\u00e1n l\/c, ph\u01b0\u01a1ng th\u1ee9c nh\u1edd thu, n\u1ed9p thu\u1ebf h\u1ea3i quan","secondary":["cargo insurance l\u00e0 g\u00ec","thanh to\u00e1n l\/c","ph\u01b0\u01a1ng th\u1ee9c nh\u1edd thu","n\u1ed9p thu\u1ebf h\u1ea3i quan"]},"yoast_keywords":{"primary":"","secondary":[]},"yoast_focuskw":"","rankmath_focuskw":"b\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a l\u00e0 g\u00ec, cargo insurance l\u00e0 g\u00ec, thanh to\u00e1n l\/c, ph\u01b0\u01a1ng th\u1ee9c nh\u1edd thu, n\u1ed9p thu\u1ebf h\u1ea3i quan","seo_keywords":{"primary":"b\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a l\u00e0 g\u00ec, cargo insurance l\u00e0 g\u00ec, thanh to\u00e1n l\/c, ph\u01b0\u01a1ng th\u1ee9c nh\u1edd thu, n\u1ed9p thu\u1ebf h\u1ea3i quan","secondary":["cargo insurance l\u00e0 g\u00ec","thanh to\u00e1n l\/c","ph\u01b0\u01a1ng th\u1ee9c nh\u1edd thu","n\u1ed9p thu\u1ebf h\u1ea3i quan"]},"_links":{"self":[{"href":"https:\/\/hntshipping.com.vn\/en\/wp-json\/wp\/v2\/posts\/7040","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hntshipping.com.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hntshipping.com.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hntshipping.com.vn\/en\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/hntshipping.com.vn\/en\/wp-json\/wp\/v2\/comments?post=7040"}],"version-history":[{"count":3,"href":"https:\/\/hntshipping.com.vn\/en\/wp-json\/wp\/v2\/posts\/7040\/revisions"}],"predecessor-version":[{"id":7165,"href":"https:\/\/hntshipping.com.vn\/en\/wp-json\/wp\/v2\/posts\/7040\/revisions\/7165"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hntshipping.com.vn\/en\/wp-json\/wp\/v2\/media\/7041"}],"wp:attachment":[{"href":"https:\/\/hntshipping.com.vn\/en\/wp-json\/wp\/v2\/media?parent=7040"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hntshipping.com.vn\/en\/wp-json\/wp\/v2\/categories?post=7040"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hntshipping.com.vn\/en\/wp-json\/wp\/v2\/tags?post=7040"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}