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Cargo Insurance

All-risk cover, per-shipment placement

Per-shipment cargo insurance covering ocean, air, rail and road legs end to end, with warehouse-to-warehouse clauses and claims assistance.

ONLINE QUOTE
Enter the invoice value, the premium comes back instantly. Policy issued same day, claims handled by a named specialist.
All Risks, WPA or FPAOcean, air, rail and roadCIF plus markup, dedicated claims handler
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What we handle

All-risk cover across ocean, air, rail and road
Warehouse-to-warehouse clauses
Instant per-shipment placement
Claims documentation and assistance

Service contract

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Talk to a specialist
Send us your cargo details and we will come back with a routed, priced plan.
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Choose your cover

Rates below are indicative and confirmed at underwriting. Minimum premium applies (USD 30 / CNY 200).

All RisksIndicative 0.08% – 0.30%
CoveredEverything under FPA and WPA, plus loss from external causes in transit: theft and non-delivery, rain and fresh water damage, shortage, intermixture and contamination, leakage, clash and breakage, taint of odour, sweat and heating, hook damage, loss caused by breakage of packing, rust.
Not coveredWar and strike risks need a separate add-on. Inherent vice, ordinary loss in weight or volume, shipper's faulty packing and losses within the deductible are excluded.
Best forHigh-value cargo, precision equipment, electronics, fragile goods, first shipments
With Particular Average (WPA)Indicative 0.06% – 0.15%
CoveredFPA cover plus partial loss caused by natural calamities: heavy weather, lightning, tsunami, earthquake, flood, and loss following grounding, sinking or collision.
Not coveredExcludes theft, rain/fresh water damage, clash and breakage and other external causes.
Best forBulk cargo, grain, ore, fertiliser, timber
Free From Particular Average (FPA)Indicative 0.04% – 0.10%
CoveredActual or constructive total loss of the whole consignment, general average contributions and salvage charges, loss following grounding, sinking or burning of the carrying conveyance, and total loss of an entire package lost overboard during loading or discharge.
Not coveredPartial loss from natural calamities (particular average) and all external-cause losses are excluded.
Best forLow-value bulk, highly price-sensitive repeat cargo
Institute Cargo Clauses (A)Indicative 0.09% – 0.32%
CoveredInstitute Cargo Clauses (A): covers all risks of loss of or damage to the subject matter insured, with exclusions stated expressly — broadly equivalent to All Risks.
Not coveredWar, strikes, inherent vice and insufficient packing remain excluded; add the clauses your letter of credit requires.
Best forExport orders where the L/C specifies ICC clauses, or where Western buyers mandate them

How a claim runs

1
Notify the loss
Report damage or shortage found on arrival within 24 hours, quoting the policy number — do not sign a clean receipt.
2
Secure evidence
Photograph and film, obtain a damage/shortage certificate from the carrier, terminal or warehouse with their endorsement, and keep the original packing.
3
File documents
Policy, invoice, packing list, bill of lading / waybill, damage report and claim statement — we assemble the set for you.
4
Survey and assessment
The insurer or an independent surveyor inspects (on site if needed) and confirms the loss amount and liability.
5
Settlement
Settlement typically lands 10-15 working days after complete documents; complex cases get a weekly progress update from us.

Why place cover with us

One contact, several underwriters
Instead of you canvassing insurers one by one, we take one shipment to several underwriters and lay the clauses and rates side by side.
Bundled with transport, no double-charging
When cover and carriage sit with one party, documents, shipping details and bill-of-lading data are reused — no duplicate paperwork, no middleman margin.
A named claims handler
Claims do not go into a queue. A named specialist handles evidence, survey and settlement negotiation, reporting progress weekly.

Questions we get asked

Do I insure on CIF or FOB?

The sum insured is normally the CIF / CIP invoice value (goods + freight + premium). On FOB the buyer insures — add warehouse-to-warehouse and carrier-liability cover so there is no gap in responsibility.

What does the 110% markup mean?

Standard practice insures invoice value plus 10% to cover expected profit and incidental costs. High-margin cargo can go to 120% / 130%, though settlement is still limited to the actual loss.

How do I choose a deductible?

A higher deductible means a lower premium. Fragile or precision cargo is best with nil deductible; bulk or unpacked cargo can take USD 500-1,000 per occurrence for a cheaper rate.

Can you cover dangerous, reefer or out-of-gauge cargo?

Yes, but declare it separately: MSDS and dangerous-goods packing certificate for hazmat, temperature logs and set range for reefer, lashing plan for out-of-gauge — loading or special clauses may apply.

Should I add war and strike cover?

War and strikes are excluded from all of the above. For transits via the Red Sea, Black Sea or unstable destinations, add war and strike cover — priced by trading area.

How fast is the policy issued?

Same-day issuance once documents are complete; electronic policies carry the same legal weight as paper, and originals can be posted. Cover added after sailing is generally not accepted.

Get a cargo insurance quote

Fill in cargo value and voyage — premium is calculated on the spot. Submit and an underwriter confirms the policy.

CARGO INSURANCE
Cargo Insurance
All risks, WPA and FPA cargo cover across ocean, air, rail, road and multimodal.
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Usually CIF/CIP invoice value
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Goes straight to our desk. Formal quote sent to your email. Used for this enquiry only.
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