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Protect your business with Marine Cargo insurance
As a supplier, retailer or manufacturer, you often have large goods that can only be transported via sea, air, or rail. While inconvenient, accidents in transit are inevitable – Marine Cargo insurance protects any goods damaged should this happen to you.
What is Marine Cargo insurance?
Marine Cargo insurance covers the cost of transported goods that have been damaged throughout the course of their journey. Insured losses can arise from a range of scenarios, including theft, piracy, and damage to goods in the event of a collision. Despite its name, a Cargo policy doesn’t just cover sea freight—it provides protection for goods transported by land, air, and sea, including rail and road.
Why do I need Marine Cargo insurance?
If your business transports goods by land, air, or sea, it’s essential to have the right protection in place should an unforeseen incident occur. A Marine Cargo policy is designed to help you recover costs following losses incurred during transit. This type of insurance is particularly important for retail businesses, manufacturing companies, supply chain logistics providers, and any organisation involved in selling, supplying, or distributing goods.
What does Marine Cargo insurance cover?
Marine Cargo insurance may be offered as “All Risk” or “Free of Particular Average (FPA)”. The former offers broader cover and is generally more sought after, while FPA only covers particular circumstances and is typically applied when there are elevated risks associated with transit. Marine Cargo insurance generally includes cover for:
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Natural Disasters
Ensures you can recoup the cost of goods lost or during an unexpected natural event
%20(51).png?width=75&height=75&name=webpages%20(300%20x%20300%20px)%20(51).png "Icon of a warehouse or storage building with boxes stacked outside and a red figure running beside it, representing emergency evacuation or urgent action at a facility.")
Theft and Piracy
Covers your goods should they be stolen by thieves or pirates en route (some FPA policies will exclude this for dangerous regions)
%20(47).png?width=75&height=75&name=webpages%20(300%20x%20300%20px)%20(47).png "Icon of a damaged parcel or package with creases and tears, shown alongside a red shield containing a checkmark to represent protected or insured goods.")
Accidents and Collisions
Protects the cost of your goods if they’re damaged during transit
%20(49).png?width=75&height=75&name=webpages%20(300%20x%20300%20px)%20(49).png "Icon of a ship and a delivery truck with a red shield containing a checkmark above them, symbolising protected or insured transport and logistics.")
Transportation Errors
If freight is mishandled when boarding the vessel or once it arrives at port, you’ll be protected from any incurred costs
%20(52).png?width=75&height=75&name=webpages%20(300%20x%20300%20px)%20(52).png "Icon of a person figure kicking a closed box, with impact lines shown above the box to indicate damage.")
Malicious Damage
Covers your cargo if it’s purposely damaged by individuals throughout the ordinary course of transit
%20(48).png?width=75&height=75&name=webpages%20(300%20x%20300%20px)%20(48).png "Icon of a cargo ship with a red clock symbol above it, representing shipping delays or time‑sensitive maritime transport.")
Consequential Loss Due to Delay
If your goods are delayed because the vessel transporting them suffers a collision and requires repairs, causing missed delivery deadlines, your policy can cover the financial impact of the delay—such as contractual penalties or lost sales opportunities
Picture This...
Imagine you run a multinational retail company that imports products manufactured overseas and ships them to the UK by sea. During transit, the vessel collides with another ship, causing significant damage to your goods. In normal circumstances, this could result in substantial financial loss and operational disruption. However, with an “All Risks” Marine Cargo Insurance policy in place, you can recover the cost of the damaged goods, mitigating the impact on your business.
.png?width=350&height=350&name=scaleup%2050%202025%20(58).png "Industrial port area with damaged concrete structures, scattered debris, shipping containers, and cranes near the waterfront, with a ship visible in the background under a pale sky.")
Contact us
Take your next step.
If you’re interested in how we can help or just want to introduce yourself, get in touch. We’re always happy to talk. Alternatively you can book a meeting with one of the team using the Capsule Calendar.