Cargo Insurance

Cargo insurance to protect shipments from physical damage or theft.

About Cargo Insurance


Cargo transportation insurance

Cargo transportation cover for shipping, air and land transportation


Cover for transport and logistics businesses

Unique insurance for transport and logistics businesses designed to plug any gaps in your cover, including contractual liability


Combined policy

Combined cargo insurance policy to cover all your business needs including, industry-specific extensions

Direct Debit

Pay in instalments

You can split your cargo insurance payment into instalments

Features of Cargo Insurance

Standard cover

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.

Liability cover included as standard

Our agricultural vehicle insurance includes liability cover to third parties across different vehicle types. It also covers legal costs, giving you peace of mind.

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.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 01491 573 966 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim