Marine Cargo Insurance

Smarter cargo protection. Real business continuity.

Marine Cargo Insurance from Sona Insurance helps UK businesses protect goods in transit — whether by road, sea, air or rail. From raw materials to finished products, we tailor cover for importers, exporters, wholesalers and manufacturers who rely on safe, uninterrupted movement of goods across the UK and worldwide.

What is Marine Cargo Insurance?

Marine Cargo Insurance covers your goods while they’re being transported — from warehouse to warehouse. Whether you’re sending, receiving, or temporarily storing goods in transit, this specialist policy protects you against loss or damage caused by theft, mishandling, weather, fire, and more. We provide flexible policies for both international and domestic shipments, with cover tailored to your cargo, trading routes, and method of transport.

Why standard cover isn’t enough

Many businesses assume their goods are covered by the carrier or freight forwarder. In reality, standard terms usually fall short — with limited compensation and complex exclusions.

Common gaps include:

  • Low or capped carrier liability: typically based on weight, not value
  • No cover for self-arranged shipping: if you book your own transport
  • Risk of delays and disputes: especially if Incoterms aren’t clearly agreed
  • Exclusions for common incidents: such as rough handling or water ingress
  • ENo cover for financial losses caused by delay: like missed deadlines or lost contracts

Without specialist marine cargo insurance, your goods — and your business — are exposed.

How Sona Insurance protects your supply chain

At Sona Insurance, we help you understand the full picture — from who’s responsible for insuring the cargo, to when risk transfers, and what liabilities you’re really carrying. We’ll build a marine cargo insurance policy that reflects how you trade: what you move, where it’s going, how it’s transported, and who arranges shipping. It’s tailored protection for your real-world risks — not just what’s listed in the shipping documents.

What’s typically covered?

Your Marine Cargo Insurance policy can include:

  • Loss or damage to goods during transit (UK and international)
  • Imports, exports, and inland movement
  • Temporary storage during the shipping process
  • Theft, fire, water ingress, and rough handling
  • General average and salvage costs
  • Cover across road, sea, air, and rail transport

We tailor your policy to your cargo type, route, and exposure — with optional extensions for specific risks.

Why choose Sona Insurance?

  • Specialist marine cargo insurance: for UK importers, exporters and manufacturers
  • Domestic and global transit protection: across all major transport modes
  • Tailored advice on risk transfer and Incoterms: to avoid disputes and delays
  • Flexible cover options: annual or one-off transit policies
  • Access to a wide panel of insurers: so we find the right fit for your goods
  • Dedicated broker support: real people helping you before and after shipment

Don’t leave your goods exposed

We don’t believe in one-size-fits-all quotes. Speaking to Sona Insurance means you get expert advice, tailored protection, and personal support — not just a price on a screen.

Call us today on 01206 694904 to discuss your marine cargo insurance needs.

Contact Us to request a tailored quote