Marine & Transport Insurance
Specialist cover for a sector where
standard policies often fall short.
Marine and Transport Demands Specialist Knowledge
The maritime and transportation industry carries highly specific risks. The contractual environment is complex, and the potential for significant loss, whether through hull damage, cargo liability, pollution, or third-party claims, is ever-present.
Whether you operate commercial vessels, manage cargo movements, run a warehousing and logistics operation, or provide services to the marine industry, a standard commercial policy won't reflect the risks you actually carry.
We understand that no two marine and transport businesses face the same risks, and we don't treat them as if they do.
Our Approach: Understand the Contract Before We Build the Programme
One of the most common sources of underinsurance in this sector is a mismatch between contractual liability and the cover in place. We review your contracts, including RHA, CMR, and BIFA conditions, as part of the advice process, so that your programme is built around what you've actually agreed to, not a generic assessment of what businesses like yours typically need. And because we stay involved throughout the year, if a new contract or operational change creates a new exposure, we're able to respond quickly.
What We Cover
Hull
Operational risks for all types of vessel, including commercial and leisure. Cover for physical loss or damage, collision liability, and the specific risks associated with your type of operation and trading area.
Protection and Indemnity
For operators and owners of vessels, P&I cover addresses the third-party liabilities including personal injury to crew and passengers, cargo liability, pollution, and wreck removal. Getting the scope right is critical.
Cargo and Goods in Transit
From traditional cargo cover to stock throughput programmes for businesses moving high volumes of goods. We ensure the basis of cover, the valuation method, and the geographic scope reflect your actual operations.
Warehousing and Logistics
Liability arising from goods held in storage, handling errors, temperature failures, and third-party claims from customers whose cargo is lost or damaged while in your care.
Liability
We support a range of clients including charterers, freight forwarders, and port operators, each of whom carries distinct liability exposures that require specific rather than generic solutions.
Employers Liability
A legal requirement, and in a marine environment the physical risk profile of your workforce, particularly those working on or near water, makes the adequacy of your cover especially important.
Cyber Insurance
Increasingly relevant as vessel operations, logistics management, and cargo tracking rely on connected systems. A cyber incident affecting operational technology or communications can have immediate safety as well as financial consequences.
Management Liability, Commercial Crime
For details on these covers and why every business needs them, see our Essential Cover page.
Speak to a specialist about your marine & transport risks
Whether you're a vessel operator, a logistics business, or anywhere in between, we're happy to have a conversation about whether your current programme genuinely reflects what you're exposed to.