Marine Insurance

Marine cargo and hull protection for goods imported by sea, vessels, and defined perils during transport.

An advisor can help you confirm the limits, terms, conditions, and exclusions that apply to your situation.

General Insurance/Cargo & Marine

What this cover can help address.

Use this summary as a starting point. A policy's full terms, limits, exclusions, and conditions should guide the final decision.

Open cover for declared imports
Marine cargo perils and theft
Loss or damage to ships and equipment

Speak with our team about arranging this cover and the information needed.

Enquire about cover

Who it is for

Importers and exporters
Businesses shipping goods by sea
Vessel owners or operators seeking hull-related protection

Cover highlights

Marine cargo protection for imported or exported goods
Declared shipment or open cover arrangements where suitable
Hull or vessel-related risks depending on the policy arranged

Helpful documents

Invoice, packing list, or bill of lading
Shipment route, vessel, and voyage details
Description and value of cargo
Clearing, delivery, and inspection records where applicable

Know what to keep ready before there is a loss.

Claims guidance

Notify A&G and relevant carriers quickly, preserve damaged cargo, request survey where needed, and keep shipping, customs, delivery, and loss documents.

Important limitations

Cover depends on the cargo, voyage, terms of sale, and policy conditions.
Delay, poor packing, or inherent vice may be excluded.
Marine cargo, marine hull, and inland transit should be reviewed separately.

Common questions about Marine Insurance.

What does Marine Insurance cover?

Marine Insurance can protect cargo, vessels, or related transport exposures against covered perils, depending on the policy arranged.

Do importers need marine cargo insurance?

Importers should consider marine cargo insurance because goods can be exposed to loss or damage during sea transit and handling.