Goods and the movement
Cargo cover concerns the insured goods and agreed journey. Origin, destination, storage stops and loading or unloading arrangements help define that journey.
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Marine, Transport & Logistics
Moving or storing goods can create several insurance needs at once. Separate the goods being transported from your responsibility as a carrier, warehouse operator or other service provider.
Who it is for
Businesses identifying the particular cargo or maritime activity behind their enquiry.
Explore the cover
These are areas to discuss, not an automatic inclusion list. Available sections and cover depend on the selected wording and schedule.
Carrier and warehouse responsibilities
A service provider’s liability depends on its role and contractual terms. Liability to a customer is not the same as insuring the goods for that customer’s full value.
Connect the different policies
Commercial motor, premises, cyber and interruption can sit alongside cargo or transport liability. Check the boundaries at handovers and storage rather than assuming one marine policy covers every interest.
Information for quotations
Describe the business role, goods or assets involved, routes and locations, contracts, other participants and existing marine arrangements.
Limitations and exclusions to discuss
Cargo, vessel interests and operational liability are distinct. Specialist maritime activity requires separate scope confirmation; no standard combined programme is represented here.
Frequently asked questions
Is every business moving goods a marine operator?
No. A trader, carrier, warehouse and vessel operator perform different work. Start with the actual role before choosing the relevant guide.
Does this page include Hull and Cargo in one policy?
No. Related reading links do not establish a policy structure. Each proposal needs its own insured interests, scope and documents.
Talk through your business.
Tell us what you do, what is changing and what you would like to understand. We can help organise the questions and the information needed for a meaningful insurance discussion.