Marine Cargo Insurance
Protect your shipment against loss, damage, and the unexpected. Coverage based on your cargo's value. Not a one-size-fits-all policy.
Things Happen. Be Covered
Storms, collisions, theft, port damage. There's a lot that can go wrong between point A and point B. Marine cargo insurance covers your goods from warehouse to warehouse so you're not stuck paying for damage you didn't cause.
It doesn't matter if you're shipping a used car or a container of electronics. If something happens in transit, you want to be covered.
- Covers weather, theft, fire, collision
- Warehouse-to-warehouse protection
- Works for vehicles, household goods, commercial cargo
- We handle the paperwork
Coverage That Matches Your Cargo
We don't sell one-size-fits-all policies. We match coverage to what you're actually shipping. A container of electronics gets different coverage than a used car. A household move gets different terms than a commercial shipment.
We'll explain what's covered and what's not before you buy anything. No surprises, no fine print you didn't know about.
- Customized to your cargo type and value
- Clear explanation of what's included
- No surprises in the fine print
- Claims support if something goes wrong
What's Covered vs. What's Not
Here's a general overview. The specifics depend on your policy, your cargo, and your route.
Typically Covered
- Weather damage (storms, heavy seas, lightning)
- Collision and vessel grounding
- Fire and explosion
- Theft and piracy
- Total loss of cargo
- General average contributions
- Port handling damage
Not Typically Covered
- Normal wear and tear
- Improper packing by the shipper
- Inherent defects in the goods
- Delay-only losses (no physical damage)
- Pre-existing damage
Every policy is different. We'll walk you through exactly what's covered before you commit.
Getting Covered Is Simple
Tell Us Cargo Value
Share what you're shipping and how much it's worth. That's all we need to start.
We Quote Coverage
We'll put together a policy that fits your cargo type, value, and route. Usually takes a day or less.
Policy Issued
Your policy is issued before your cargo sails. You'll have documentation in hand before departure.
File Claims if Needed
If something goes wrong, we help you file the claim, gather documentation, and follow up until it's resolved.
Frequently Asked Questions
Typically 1-3% of your cargo's declared value. The exact rate depends on what you're shipping, where it's going, and the risk profile of the route. A $10,000 shipment might cost $100-$300 to insure. It's a small price for real peace of mind.
No. Carrier liability is extremely limited. Usually around $500 per shipping unit, regardless of what's inside. If you're shipping a $15,000 car or $50,000 worth of household goods, carrier liability won't come close to covering a loss. Marine cargo insurance fills that gap.
Contact us as soon as you notice the damage. Take photos of everything. The container, the packaging, and the damaged items. We'll help you complete the claim form, gather the right documents, and submit everything to the insurer. We stay involved until the claim is settled.
You'll typically need the insurance certificate, the bill of lading, the commercial invoice showing cargo value, photos of the damage, and a written description of what happened. If there's a survey report from the port, that helps too. We'll tell you exactly what's needed based on your situation.
It depends on the complexity. Straightforward claims with good documentation can settle in 2-4 weeks. Larger or more complicated claims, like total losses or general average situations, can take a few months. The better your documentation, the faster things move. We'll keep you updated throughout the process.