Manufacturers receiving raw materials
Review the exposures, values and operating details that change how insurers assess this risk.
Goods in transit
Marine cargo and transit insurance
Protect raw materials and finished goods moving by road, rail, air or sea. Learn about transit declarations, clauses, exclusions and cargo claims.
Cover review
Wording before price. Support after placement.
Responsive supportClear next steps from review to claim
Structured comparisonTerms, limits, deductibles and exclusions
IRDAI licence 1103North India service100+ years combined experienceDedicated claims support
Start with the real exposure
The wording must match the business behind it
Goods are exposed from the moment they leave one location until delivery at another. Marine cargo insurance can protect domestic and international movements, but the chosen clauses, packing, conveyance, route and declaration process determine the result.
Umber helps manufacturers, traders and logistics-dependent businesses align the policy with actual purchase and sales terms, movement frequency and maximum value per transit.
“A policy works as a programme: values, wording, extensions and claims preparation must support one another.
Who we help
Who should examine this cover
Every recommendation begins with the activity, scale, locations and contracts—not a generic product label.
Exporters and importers
Review the exposures, values and operating details that change how insurers assess this risk.
Distributors and wholesalers
Review the exposures, values and operating details that change how insurers assess this risk.
Businesses using third-party transporters
Review the exposures, values and operating details that change how insurers assess this risk.
Project cargo and machinery buyers
Review the exposures, values and operating details that change how insurers assess this risk.
Companies moving stock between locations
Review the exposures, values and operating details that change how insurers assess this risk.
The Umber programme
Understand what the programme may include
A single uncovered dependency can affect several policies. We look at how each part responds alongside the others.
Declared goods and commodities
Domestic inland transit
Import and export shipments
Loading, unloading or storage when specifically included
Named or all-risk transit clauses as selected
Annual open policies or specific voyages
One coherent
risk programme
risk programme
Before placement
What we examine with you
01
Insufficient packing or unsuitable conveyance
02
Excluded commodities or routes
03
Late or missed turnover declarations
04
Incorrect Incoterms or insurable interest
05
Theft/non-delivery conditions
06
Delay, ordinary leakage, wear or inherent vice exclusions
When a claim happens
Support through the critical steps
Early action, accurate records and one clear chronology help everyone move with less confusion.
Understand
Protect recovery rights against carriers
Notify & coordinate
Arrange timely survey where required
Document
Collect LR, invoice, packing and delivery evidence
Follow through
Coordinate shortage, damage and recovery documentation
Buyer questions
Clear answers before you decide
These are starting points. The final answer always depends on the selected insurer’s wording and your disclosed circumstances.
Is marine insurance only for sea shipments?
No. Marine cargo policies commonly cover goods moving within India by road, rail or air as well as international sea or air shipments.
Who should insure goods—the buyer or seller?
That depends on the contract, transfer of risk and Incoterms. The party with insurable interest should ensure the policy matches the transaction.
Is theft always covered?
Not automatically. Theft, pilferage and non-delivery protection depends on the chosen clauses and conditions.
Start with what you already have
Talk to Umber Insurance should fit the actual risk.
Share your current policy, asset schedule or requirement. Umber will help you identify the next useful step.
General information only. Insurance coverage is subject to the insurer’s policy wording, proposal disclosures, underwriting, exclusions, warranties, deductibles and applicable law. Umber Insurance Brokers Private Limited · IRDAI License No. 1103.