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Cargo Insurance

Cargo insurance to protect shipments from physical damage or theft.

  • Cargo transportation cover for shipping, air and land transportation
  • Unique insurance for transport and logistics businesses designed to plug any gaps in your cover, including contractual liability.
  • Combined cargo insurance policy to cover all your business needs including, industry-specific extensions.

Call us for your bespoke cargo insurance quote

01491 573 966
01491 573 966

Weekdays 9am - 5pm
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Cargo Insurance Features

Marine cargo insurance

Because of the many dangers inherent in shipping, most individuals and businesses choose to insure their goods while they are in transit. Insuring cargo ensures that the value of goods are protected against potential losses which may occur during transportation.

Freight liability insurance

This cover provides legal liability protection for the loss and damage of goods in accordance with standard trading conditions, international conventions, statutes and liability at common law.

Stock throughput

This cover insures a company's inventory and the flow of goods from the source of production to its final destination, whether at a place of storage or a retail store. This also covers pick and pack operations.

Air and land transportation cargo insurance

This covers the air and land distribution of goods both domestically and worldwide.

Cargo Insurance Articles & Guides

Read our transport insurance articles:

Office building skyline


Business Insurance Checklist

Business insurance can be tricky at times and often people don’t understand what they need, where to go to get the correct advice, or sometimes, even what is legally required!...

View article
Growing Your Business Small


Guide to Managing Growth for Businesses

After a period of initial growth, your business may reach a plateau. You might have a good customer base and a steady stream of revenue, but keeping the momentum to expand your business further can be challenging. There are many reasons that growth slows down, whether it is saturation in the market, additional competition or a lack of capital to invest in new innovations.

business continuity planning office team discussion


Creating a 'Business Interruption Plan'

A business interruption plan is important for any UK business because unplanned events can be devastating to your service and income. Our article explains what a business interruption plan better protect your business and also how you and your staff can create one.

team social


HR Guide for Businesses

Putting your human resources (HR) processes in place is crucial to your company’s long-term success. Getting HR right offers you a huge amount of value – from making sure your employees are engaged, happy, and not over - or under-worked, to being confident that you’re compliant with employment law.

Cargo Insurance FAQs

Why do I need cargo insurance?

Since the 1800s, legislation has allowed carriers and other bailees for reward to limit their liability for loss of or damage to goods in their care custody and control, but over time the burden of proof has shifted increasingly to the benefit of the goods owner.

More recently, carriers and logistics operators have faced ever more burdensome contractual terms being imposed on them by their larger, more demanding customers.

What is freight liability insurance?

The evolution of freight insurance has seen significant change in recent years, which has seen the movement from the traditional recognised conventions which limit liability, to more bespoke contractual agreements. This has been largely driven by the growth in competition, with carriers now having to carry the burden of increased customer demand resulting in increased litigation with costly disputes over the terms and condition of contracts.

At Towergate we can help you navigate this specialist field of insurance from the structure of a program to dealing with claims.

What does transport and logistics insurance cover?

We know that businesses like yours don’t have time to keep checking the detail of your bespoke contracts and insurance cover every time a new opportunity comes your way. So, we have created a combined policy that can suit the specific needs of your business.

That includes industry-specific extensions:

  • Freight liability
  • Cargo (seller’s interest)
  • Stock throughput
  • Employers', public and product liability cover
  • Property and business Interruption cover
  • Professional indemnity
  • Cyber liability
  • Directors and officers
  • We can also provide cover for all types of vehicles from mini fleets van to large multi modal transport operations.   

Our offering also specifically provides contractual liability insurance – with a reputable insurer who will also provide a free contract review service, both are not simply available in the general market. This encompasses broad coverage, and effective balance sheet protection for worldwide inventory and transits.

Can I pay by monthly Direct Debit?

  • If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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