Ocean Marine Insurance
Guardian Insurance Agency
Ships cross oceans. Weather turns. Cargo shifts.
Fire, theft, piracy, and groundings happen.
When they do, you need coverage that moves as far as your goods.
What ocean marine insurance does
It protects cargo and vessels while they’re on the water—and often beyond—so a single loss doesn’t sink your plans.
Core protections we place:
- Cargo (Marine Cargo): Your goods in transit—often warehouse‑to‑warehouse, including inland legs.
- Hull & Machinery: Physical damage to the vessel and its engines/equipment.
- Protection & Indemnity (P&I): Liability for injury, cargo damage, pollution, and other maritime risks.
- Marine Liability: For ship operators, terminals, forwarders, NVOCCs, and logistics providers.
- Pollution Liability: Cleanup and third‑party claims from spills.
- War & Strikes Risks: War, piracy, strikes, riots (as endorsed).
- Freight & Demurrage: Contractual costs tied to delays or lost freight.
Cargo coverage—what’s inside
Cargo policies can be written as:
- All‑Risks (broad, with listed exclusions), or
- Named Perils (more limited list of covered causes).
We tailor Institute Cargo Clauses (A/B/C), valuation, and deductibles to your goods and routes.
Key cargo features:
- Warehouse‑to‑Warehouse: From origin storage to final destination.
- Seller/Buyer terms (Incoterms): Coverage aligned to when risk transfers.
- General Average & Salvage: Pay your share when the ship sacrifices cargo for the common good.
- Sue & Labor: Reasonable costs to protect/save cargo after a loss.
- Temperature/Breakage/Special handling endorsements for fragile or perishable goods.
Who needs ocean marine coverage
- Importers / Exporters / Traders
- Manufacturers shipping raw materials or finished goods
- Ship Operators / Charterers / NVOCCs / Freight Forwarders
- Shipyards / Builders / Repairers
- Terminal & warehouse operators with custody exposures
If your business depends on goods reaching port on time—and intact—you need marine coverage.
Real risks at sea (and in port)
Collisions. Groundings. Heavy weather.
Fire in holds or containers.
Theft, pilferage, and modern‑day piracy.
Container drops, crane incidents, and stack collapses.
Shortages, misdelivery, and temperature excursions.
We place coverage for what actually happens, not just what should.
How policies are structured
- Annual open cargo vs. single‑shipment policies.
- Claims‑made (liability segments) vs. occurrence (property segments).
- Special extensions for storage, transshipment, and deviation.
- Named vessel or scheduled line requirements where needed.
What influences price
- Commodity type (electronics vs. bulk materials).
- Routes & ports (piracy zones, weather, congestion).
- Packaging & loss controls (seals, sensors, temperature logs).
- Claims history and shipment values.
- Limits, deductibles, and clauses (A/B/C; war/strikes; GA).
We balance cost with the protection your supply chain actually needs.
Helpful add‑ons
- War & Piracy (including kidnap & ransom protocols).
- Project Cargo (heavy lifts, out‑of‑gauge, breakbulk).
- Stock Throughput (STP): One policy from supplier to shelf (inbound + storage + outbound).
- Contingent Cargo / Contingent Liability for logistics providers.
- Reefer Breakdown / Temperature Deviation for perishables.
- Errors & Omissions (E&O) for forwarders and NVOCCs.
- Cyber for port/terminal systems and logistics platforms.
Small lines on paper. Big peace on the water.
The Guardian way
We chart your routes and ports.
We read your contracts and Incoterms.
We size limits, set clauses, and add war/strikes where your vessels sail.
Then we stand watch when seas turn rough.
Guardian Insurance Agency — Proper protection—prior to peril.
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