Cargo loss in transit
Goods are damaged, lost, or stolen between origin and destination, by land or by sea.
Marine and Cargo Insurance
Ocean and inland marine, cargo, and freight rarely fit a standard package. We place them with specialty transit carriers.
We shop the market for you, no broker fees
Chubb
Ocean and inland marine
Travelers
Ocean marine
Great American
Marine programs
Markel
Marine specialty risks
Starr
Marine risks
Philadelphia Insurance Companies
Marine programs
Kinsale
Excess and surplus marine
The Hartford
Inland marine
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Pick the best policy
We explain what is covered, what is not, and what it costs.
Marine and Cargo
- Cargo loss in transit
- Property that moves
- Loss at the yard or warehouse
What changes your premium
There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.
- Cargo type and maximum value per shipment
- Routes, ports, and countries involved
- Packing, storage, and conveyance
- Vessel, contractor, or terminal operations
- Deductibles and requested limits
- Claims history and risk controls
Text us. We're by your side.
Common exposures in this line of work
Property that moves
Equipment, tools, and materials that leave a fixed location.
Loss at the yard or warehouse
Fire, water, or theft where the goods sit between moves.
Cargo, hulls and everything on the dock, including:
- Freight forwarders and NVOCCs
- Customs brokers
- Importers and exporters
- Warehouse and distribution operators
- Stevedores and terminal operators
- Marinas and boatyards
- Commercial fishing operations
- Charter and passenger vessels
- Tug and barge operators
- Marine contractors and pile driving
- Yacht dealers and brokers
- Ship repair and chandlery
The coverages this industry actually buys
Commercial Property
Warehouses, terminals, and the equipment and inventory sitting inside them are insured at each fixed location. This is the policy that answers a fire, a water loss, or a theft at your building. It stops at the property line, which is exactly why goods and gear in motion belong on a marine or transit form instead.
General Liability
Premises and operations liability at your yards and warehouses: someone injured on the site, a customer's property damaged by your handling, a claim tied to how the facility is run. It is the general layer underneath everything else, and it does not follow the cargo once the cargo leaves.
Commercial Auto
Tractors, straight trucks, and vans moving freight and equipment are rated and covered here. Liability answers an accident, physical damage repairs the unit, and hired and non owned picks up rented and borrowed vehicles. The load riding inside is a separate coverage from the vehicle carrying it, which is the distinction most transit claims turn on.
Excess and Surplus Lines
Ocean cargo, inland marine, and unusual transit exposures are specialty business, written on manuscript forms by carriers who price commodity, route, packing, and conveyance. Values, destinations, and single conveyance limits drive the terms you get. We take the submission to marine and surplus markets that quote this class rather than to a package underwriter who will decline it.
Questions we get asked
The longer answers, with the form numbers, live in the Library.
Which policies do marine and cargo businesses usually need?
The right program depends on the operation, but the lines we most often evaluate are Commercial Property, General Liability, Commercial Auto, and Excess and Surplus Lines. We confirm which exposures are present before recommending a policy, so you do not pay for a line simply because it appears on a standard checklist.
What information do you need to quote marine and cargo insurance?
Have the cargo or equipment, maximum values, routes, conveyances, storage locations, packing methods, and loss runs ready. A complete submission lets carriers evaluate the account on the actual operation and reduces follow-up questions before they can quote.
Can you help if a standard carrier already declined the account?
Often, yes. A decline does not guarantee another carrier will quote, but it tells us where the standard market stopped. We review the reason, improve the submission where the facts support it, and approach specialty markets when they are appropriate.
How do you compare the quotes you receive?
We compare the coverage form, limits, deductibles, exclusions, carrier financial strength, binding requirements, and total cost. The lowest premium is not the best option when the form removes the protection the business needs.
Get it placed by someone who reads the fine print
Start a quote and a licensed broker takes it from there, or talk to one now.