Cargo protection
Cover that starts with your shipment.
Understand the insured goods, transit route, declared value and covered risks before arranging insurance for a consignment.
Marine cargo & transit
Your goods are moving. Understand the risks.
Whether you ship products across India or move goods internationally, marine cargo insurance may help protect your insured financial interest against specified transit risks, subject to policy terms.
Coverage depends on the goods, route, insured risks and policy wording.
Sea freight
Goods moved by vessel
Road transport
Goods moved by truck
Rail freight
Goods moved by train
Air cargo
Goods moved by aircraft
From dispatch to destination
Understand the journey, the risks and the terms of your cargo cover.
Understand the basics
Moving goods is part of business. Protecting your interest matters.
Imagine your business sends electronics to a customer, ships machinery to another city or imports stock from another country. During transit, goods may face risks such as accidental damage, loss or other unexpected events.
Marine cargo insurance is designed to cover specified risks affecting insured goods during an agreed transit. Despite the name, cargo cover may apply to goods travelling by road, rail, sea or air, depending on the policy.
Keep this in mind
Marine insurance does not automatically cover every delay, shortage or damaged shipment. The insured goods, route, conditions, exclusions and evidence all matter.
Understand your cargo cover
Different shipments have different insurance needs.
The right arrangement depends on what you are shipping, where it is going and how frequently your business sends goods.
Single-transit shipments
For a particular consignment moving from one specified origin to a destination, subject to the policy's scope and terms.
Regular business shipments
Businesses shipping goods repeatedly may explore arrangements designed for multiple consignments. Reporting and declaration conditions can apply.
Import and export cargo
For goods crossing international borders, review the route, transit stages, contractual responsibilities and relevant shipping terms.
Machinery and commercial goods
Equipment, raw materials and finished products may require consideration of packaging, handling, declared value and specific exclusions.
Follow the shipment
Understand the journey your goods take.
A shipment can pass through several stages. When arranging insurance, clarify which stages and locations fall within the policy's agreed transit.
Packing and dispatch
Identify the goods, packaging, declared value and dispatch location.
Loading and transit
Confirm the transport mode, route and applicable loading and transit conditions.
Transfer or storage
Check whether transhipment, temporary storage or intermediate stops are included.
Delivery and inspection
Record the delivery condition and report any suspected loss or damage promptly.
Real business situations
What can go wrong while goods are in transit?
Think about a delivery of electronic equipment, furniture, clothing or industrial machinery. An unexpected incident can affect the shipment and create a financial concern for the business.
Goods arrive damaged
A shipment is found damaged on delivery. Preserve packaging, record the condition and follow the policy's notification and evidence requirements.
A transit accident occurs
Goods are involved in a transport incident. Whether the resulting loss is covered depends on the insured events, exclusions and policy conditions.
Goods are exposed to water
Water affects cargo during transit or handling. Coverage depends on the cause, type of goods, applicable wording and relevant exclusions.
A shortage or loss is discovered
The delivered quantity does not match the dispatch records. Reconcile the documents and report the discrepancy according to the applicable procedure.
Supporting documents are missing
Invoices, transport records or evidence of damage may be needed to assess a claim. Keep shipment records organised from dispatch onward.
Prepare your paperwork
Good shipment records make a difference.
When discussing cover or reporting a loss, having clear shipment details can help the insurer or adviser understand the circumstances.
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Commercial invoice
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Packing list
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Transport or shipping documents
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Shipment value and route details
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Photos and evidence of damage, if applicable
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Survey or incident report, where required
The documents required depend on the type of shipment, circumstances of loss and insurer's claim requirements.
For importers, exporters and businesses
Tell us what you ship and where it needs to go.
A useful marine insurance enquiry starts with a clear picture of your shipment. Whether you send goods occasionally or dispatch consignments regularly, prepare the basic details before discussing available options.
You can include the type of goods, approximate consignment value, origin, destination, transport mode and shipment frequency in your enquiry.
Marine cargo enquiry
Ready to discuss your shipment? Contact PROINS with your cargo and transit details to start the conversation.
Discuss marine insurance An enquiry does not guarantee that cover is available. Acceptance and coverage depend on insurer assessment, policy terms and applicable conditions.
Marine insurance FAQs
Questions businesses often ask.
Understand the basics before arranging cover for your goods. The final terms depend on the selected policy and insurer.
Marine cargo insurance is designed to cover specified risks affecting insured goods during an agreed transit. Depending on the policy, goods may travel by road, rail, sea or air.
No. Marine cargo insurance may apply to goods travelling by road, rail, sea or air, subject to the policy. The actual transit route and scope of cover must be confirmed in the insurance documents.
No. Acceptance and coverage depend on the type of goods, packaging, route, value, insurer's underwriting requirements and policy exclusions.
Ordinary delay or loss of market is not automatically covered by cargo insurance. Check the policy wording for the specific risks insured and the applicable exclusions.
Record the visible damage, retain relevant packaging and shipment records, notify the appropriate carrier and insurer promptly, and follow the applicable claim procedure. Avoid disposing of damaged goods before receiving necessary instructions.
Prepare a description of the goods, estimated value, origin and destination, transport mode, shipment frequency and any relevant transit requirements. Further details may be requested during assessment.
Keep your business moving
Before the next shipment leaves, understand your cargo risks.
Start with your goods, route and shipment value. Get clarity on the information needed to explore suitable marine insurance options.
Planning a shipment?
Contact PROINS to begin an enquiry about marine cargo insurance for your business.
Make an enquiryPrefer to call? +91-9899853832