Coverage Summary

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What is the purpose of marine cargo insurance?

All-risk marine cargo insurance covers shipments of lawful goods and/or merchandise, which are packaged to withstand the acceptable risks of transportation, whether owned or consigned to the Assured in which the Assured has an insurable interest. Also, to cover all shipments made for the account of others which the Assured may agree or receive instructions to insure. Insured against All Risks of physical loss or damage from external causes. Coverage is arranged through an open cargo policy underwritten by Lloyds of London.

All-risk insurance helps protect your freight around the world

The geographical scope of all-risk insurance includes World to Other. This excludes shipments to or from countries which are subject of trade or economic embargoes imposed by the laws or regulations of the United States of America.

Restricted countries





Congo Dem. Republic

Côte d’lvoire











North Korea



South Africa

S. Sudan





At the amount of the commercial invoice, including freight and other charges, plus 10% (CIF+10%).

Policy terms

  • Institute Cargo Clauses (A)
  • Institute War Clause
  • Institute Strikes Clause (including Riots and Civil Commotion coverage)
  • General Average Coverage



Some commodities are subject to deductibles

5% deductible of the total insured value (minimum $500 (USD))

  • Glass
  • Glass products
  • Granite
  • Marble
  • Porcelain
  • Tiles or other fragile goods or merchandise

3% deductible of the total insured value (minimum $500 (USD))

  • Automobiles
  • Boats
  • Motorcycles

What is excluded from all-risk cargo insurance?

Some situations and commodities are excluded from marine cargo insurance policies. See the lists below to ensure your needs can be met by this solution.

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Excluded situations

  • Inherent Vice
  • Loss of Market
  • Deterioration caused by delay
  • Extended Radioactive Contamination Exclusion
  • Chemical, Biological, Bio-Chemical & Electromagnetic Exclusion
  • Losses caused by temperature or pressure including condensation
stacks of old mobile devices

Excluded commodities

  • Ammunition
  • Bloodstock, semen, livestock, animals, human remains
  • Cellular or mobile phones
  • Computer and/or electronic components assembled on racks/computers on racks
  • Gems/stones (precious and semiprecious)
  • Hazardous materials (class 1, class 2.3, class 6.2)
  • Household goods/personal effects
  • Jewelry of value (gold, silver, platinum, etc.)
  • Non-containerized lumber
  • Precious metals (gold, silver, platinum, rhodium, iridium, palladium, osmium, indium, rhenium, ruthenium)
  • Scrap commodities
  • Securities, bullion, stamps, banknotes, bonds, notes, deeds, records, non-reconstructable documents or similar documents
  • Shipping containers

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This is a paraphrased, condensed overview of the All-Risk coverage provided. The information contained here is not a complete representation of all the policy provisions. For a complete copy of the policy provisions, please contact your C.H. Robinson representative.