Marine Cargo
XL Catlin offers marine cargo insurance and freight liability insurance for large, complex operations as well as smaller companies. Cross-border cargo insurance coverage designed to comply with licensing and tax requirements is available.

Product details


USD 100 million


XL Catlin’s marine cargo insurance covers cargoes on land, at sea and in storage — and the full spectrum of risks from damage in transit to war and terrorism. We also offer professional liability insurance for freight forwarders, logistics companies and land carriers.

Through XL WorldPass, we provide multinational companies with cross-border solutions, designed to comply with licensing and tax requirements. And our online service allows brokers to find marine insurance quotes in minutes for clients with smaller value cargoes.

Our appetite – general cargo

  • All general cargo risks
  • Stock throughput – combined stock and transit risks
  • Stand-alone storage (not necessarily linked with a transit risk) on an Excess basis
  • Marine consequential loss – financial losses following physical loss or damage
  • Project risks, including delay in start-up
  • Transport-operator liability – combined carriers and general liability of transport-operators
  • Carrier’s liability for the logistics industry

Online service:

  • A full cycle portal (quotes/policies/mid-term adjustments and renewals) for annual SME general cargo risks within the £350 to £15,000 premium range
  • Minimum Premiums:
    • Single cargo shipments - £ 150
    • Annual – £ 350
  • Maximum Transit limit £ 5,000,000
  • Imports/exports
  • UK to UK shipments
  • UK stock cover up to 10 named addresses
  • Exhibitions
  • Tools and samples whilst in engineers vehicles

Freight Liability:

  • Haulers/Freight Forwarders/Warehousekeepers liability (Contract conditions: RHA/CMR/BIFA/UKWA)

Client Profiles

Various kinds of business in need of cargo insurance, including the following:

  • Multinational companies, including captives
  • Large single-nationality companies
  • Upper middle market companies
  • Public companies
  • Private companies
  • Retail brokers
  • Wholesale brokers

Typical Information Required

  • Policy terms/coverages required
  • Five-year loss history
  • Types of goods and packaging
  • Detailed information about shipments (imports/exports /inter-company), including type of conveyances, sales terms (Incoterms) and geographical area

Benefits & Services

  • Licensed to write multinational risks through Lloyd’s
  • Global claims network for marine insurance, offering detailed intranet live claims overview
  • General risk engineering services (including supply chain analysis, assessment of logistic procedures, loss prevention reports, location surveys and more) and dedicated cargo risk engineering capabilities
  • Risk monitoring via worldwide single access IT-platform
  • Electronic insurance certificate tool
  • Provides worldwide insurance program solutions, including issuing centrally steered local policies through XL Catlin's Insurance segment offices, our Lloyd’s syndicate or network partners

Information and Research

Marine Cargo Insurance Terms

Insurance Acronyms

Minimum Deductible

Varies by goods insured

Minimum Premium

Varies by country

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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