Insurance Type

Marine Insurance

Cargo, freight, and transit protection for every movement of goods — whether you're importing equipment, exporting products, or managing a complex supply chain through Qatar's ports.

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Overview

Protecting Your Cargo Every Step of the Way

Marine cargo insurance covers physical loss and damage to goods during transit — whether by sea, air, road, or rail. For businesses trading through Hamad Port, importing construction materials, or exporting finished goods, having the right marine policy is fundamental to managing financial exposure on every shipment.

The standard coverage options range from Institute Cargo Clauses (A), which provides the broadest all-risks coverage, to narrower (B) and (C) clauses. We advise on the appropriate clause set, special conditions for sensitive cargo types (e.g., electronics, refrigerated goods, perishables), and the right valuation basis to avoid disputes at claims time.

For businesses with regular cargo movements, we arrange open cover policies that provide automatic cover for all shipments under a single arrangement — eliminating the need to arrange individual policies and ensuring nothing falls through the gaps.

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Container ships at port — marine cargo and transit cover

Coverage Details

What Marine Insurance Typically Includes

Cargo Coverage

  • All Risks cover (ICC A) — broadest protection
  • Fire, sinking, collision, and stranding
  • Theft, pilferage, and non-delivery
  • General average contributions
  • Contamination and leakage for liquid cargoes
  • Refrigerated and temperature-sensitive cargo extensions

Open Cover Arrangements

  • Automatic cover for all shipments
  • Flexible declaration and premium payment
  • Single policy for sea, air, and road freight
  • Customised per-shipment limits
  • Blanket cover for regular importers/exporters
  • Storage and warehousing extensions

Claims Response

  • Prompt notification to insurers and surveyors
  • Guidance on cargo recovery and salvage
  • Documentation requirements and support
  • Dispute resolution with carriers and forwarders
  • Recovery actions against third parties

Hull Insurance

  • Yachts, motorboats, and jet skis
  • Accidental damage, fire, and sinking
  • Theft and vandalism
  • Third-party liability for watercraft
  • Personal accident cover for crew and passengers
  • Salvage and wreck removal costs

Who Needs This Cover

Importers and exporters, freight forwarders, logistics companies, trading businesses, manufacturers sourcing raw materials, construction companies importing equipment, yacht and watercraft owners, and any business moving goods of value through international or domestic supply chains.

Common Questions

Marine Insurance FAQ

Does the seller's or buyer's insurance cover my cargo?

It depends on the Incoterms agreed in your trade contract. Under CIF terms, the seller provides insurance. Under FOB or EXW terms, the buyer is responsible from the point of loading. Many businesses incorrectly assume the freight forwarder or carrier's liability covers their cargo value — it typically does not. We help clients understand their exposure under each Incoterm and ensure they are not unknowingly uninsured.

What is the difference between ICC A, B, and C clauses?

ICC (A) is all-risks cover — it covers all losses unless specifically excluded. ICC (B) and (C) are named-perils policies covering a narrower set of causes of loss. For most commercial cargoes, we recommend ICC (A) as the additional premium over (C) is typically small relative to the protection gained.

What happens if my cargo is damaged and the ship is not at fault?

If you suffer a loss and the carrier is not liable (e.g., weather damage), your cargo insurance covers the loss. If the carrier is negligent, your insurer will pay and then seek recovery from the carrier on your behalf — known as subrogation. In either case, you are protected.

Protect your cargo on every journey.

Whether you're arranging cover for a single shipment or need an open cover for regular movements, our team will find the right solution.

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