Coverage · Inland & Ocean Marine Cargo
Inland and ocean marine cargo insurance, from the warehouse to the customer.
Inland marine
Inland marine insurance protects property that is in transit, moving between locations or held away from your primary premises. Standard commercial property policies generally cover property only at scheduled locations, and inland marine fills that gap.
Coverage commonly applies to goods in transit by truck, rail or air; contractors’ and specialized equipment; property at job sites, trade shows or other temporary locations; customer property in your care, custody or control; and high-value equipment such as electronics, instruments and testing devices.
Ocean marine cargo
Ocean marine cargo insurance protects goods against physical loss or damage during international shipment by sea or air, including connecting inland transit. Coverage is typically written on a warehouse-to-warehouse basis, protecting shipments from origin to final destination.
This coverage is essential because carrier liability is strictly limited. For ocean shipments to and from the United States, it is generally capped at $500 per package. Cargo policies also respond to general average, which can require cargo owners to share the cost of saving a vessel even when their own goods are undamaged. Most businesses carry an annual open cargo policy that automatically covers all eligible shipments, with war and strikes coverage available for higher-risk routes.
Stock throughput
Stock throughput (STP) ensures your goods are covered under a single policy across the entire supply chain, from raw materials and components, through manufacturing and storage, to final delivery to your customer. It replaces the separate property and cargo policies that would otherwise cover inventory and shipments, eliminating gaps and disputes where one policy ends and another begins.
STP is typically written on an ocean cargo form and is well suited to businesses that import materials, export products or hold inventory at multiple locations, including third-party warehouses. Finished goods can often be valued at selling price rather than cost, protecting your anticipated profit as well as your investment.
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Inland & Ocean Marine Cargo
What it covers.
Most businesses that move goods need more than one of these: inland marine for property on the road or away from your premises, ocean marine cargo for international shipments, or stock throughput to cover both under a single policy.
For firearms, tactical and defense businesses, high-value inventory, theft exposure and complex supply chains make choosing the right structure essential.
Typically covers
- Goods in transit by truck, rail, air or sea
- Contractors’ and specialized equipment
- Property at job sites, trade shows and test ranges
- Customer property in your care, custody or control
- General average and warehouse-to-warehouse cargo
What we check
- Scheduled values for high-value equipment
- Territory, including international shipments
- Open cargo policy, with war and strikes for higher-risk routes
- Whether stock throughput should replace separate policies
By sector
How it applies to your sector.
FFL & Firearms
Firearms in transit to distributors and dealers, and imports under an open cargo policy.
Ammunition & Explosives Manufacturing
Components and finished ammunition moving between plants, warehouses and customers.
Unmanned Systems & Counter-UAS
Ground stations, payloads and spares in transit and at test ranges.
Communications & Space
Demo units and field test gear deployed with customers.
Defense & Government Contractors
Equipment and goods shipped to contract and installation sites, at home and abroad.
Common questions
Questions we hear about this coverage.
Don’t see yours? Call (970) 580-8067 and talk to the agency principal directly.
It grew out of marine cargo insurance. Today it covers property that moves over land or sits away from your premises.
Only up to a strict limit. For ocean shipments to and from the United States, carrier liability is generally capped at $500 per package, which is why cargo insurance matters.
A maritime rule that can require every cargo owner on a vessel to share the cost of saving it, even when their own goods are undamaged. Cargo policies respond to it.
When you import materials, export products or hold inventory at several locations, including third-party warehouses. One policy follows the goods from raw materials to delivery.