Marine Insurance that protects your goods from door to door.

Every time your goods move — across the city or across an ocean — they're exposed to loss, damage and theft. Marine cargo insurance covers that journey, so a mishap in transit doesn't become your loss. We arrange the right clauses and cover for your trade at a competitive premium.

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Illustration of a cargo container ship — marine insurance

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The basics

What is marine cargo insurance?

Marine (cargo) insurance covers loss of or damage to your goods while they are in transit — by sea, air, road or rail. Despite the name, it isn't only for ships: it protects domestic and international movement of goods for traders, manufacturers, importers and exporters.

What's typically covered

Loss or damage to goods in transit (sea/air/road/rail)
Fire, sinking, collision, overturning, derailment
Loading & unloading risks
General Average & salvage contributions
Theft & non-delivery (as per chosen clauses)
War & strikes cover (opt-in)

Common conditions & exclusions

Cover level depends on the cargo clause chosen (A/B/C)
Inherent vice, poor packing & ordinary wear excluded
Delay-related losses are generally not covered
Consequential or market loss is excluded
Sum insured is usually invoice + freight + a margin

Getting the clauses and sum insured right is exactly where a broker adds value — we do this for a living.

Policy types

The right marine policy for how you ship

Single-Transit (Specific)

Cover for one specific shipment — ideal for occasional or one-off consignments.

Open Cover / Open Policy

Automatically covers all your shipments over a period — no per-consignment paperwork.

Import

Cover for goods coming into India, with Incoterms handled correctly.

Export

Cover for goods leaving India, from your warehouse to the overseas buyer.

Inland Transit

Domestic movement of goods by road or rail across India.

Sales Turnover Policy

Annual cover on a declared-turnover basis for high-volume shippers.

Know before you buy

How to get your marine cover right

1
Pick the right cargo clause
Institute Cargo Clauses A (all-risk) vs B or C (named perils only) change what's covered. We match the clause to your goods and route.
2
Insure to full value
Cover invoice value plus freight plus a margin (often 10%) so a claim fully makes you whole.
3
Match the mode & route
Sea, air, road or rail — and add war & strikes cover for sensitive routes or destinations.
4
Use open cover if you ship regularly
An open/turnover policy auto-covers every shipment, removing per-consignment paperwork and gaps.
5
Declare the goods honestly
The nature and packing of cargo drive both the cover and the claim — accurate declarations keep you protected.

Our offering

Why arrange marine cover through InsureDost

Marine cover is all about the right clauses and sums insured — precisely where a broker protects you.

We speak marine. Clauses, Incoterms and open covers — we structure it correctly.
Competitive premiums. We place your cargo risk with the right insurer at the right price.
Regular-shipper friendly. Open and turnover policies cut your admin to near zero.
Claims from anywhere. We coordinate surveyors and documentation across geographies.

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In transitSea, air, road & rail cover

Import & exportCross-border trade, covered

Open coverEvery shipment, one policy

Claims supportSurveyors & documentation handled

FAQs

Marine insurance questions

What does marine cargo insurance cover?

Loss of or damage to your goods while in transit by sea, air, road or rail. The exact level depends on the Institute Cargo Clause you choose — we help you pick the right one.

What are Institute Cargo Clauses A/B/C?

Standard cover levels: Clause A is the widest (all-risk), while B and C cover named perils only. The right choice depends on your cargo, packing and route.

Single-transit or open cover?

For a one-off shipment, a single-transit policy. If you ship regularly, an open or turnover policy auto-covers everything — cheaper and far simpler to run.

How much should I insure for?

Usually invoice value plus freight plus a margin (often 10%), so a claim fully makes you whole — not just the cost of the goods.

Does it cover both import and export?

Yes — we arrange import, export and inland-transit cover, with Incoterms handled correctly so responsibility for the goods is clear at every stage.

Moving goods? Cover them properly.

Tell us what you ship and how, and we'll arrange the right marine cover at a competitive premium.

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