Marine & Cargo Insurance Covers Goods on the Move

Marine & Cargo Insurance covers loss or damage to goods while they're being transported, whether domestically or internationally, and by any mode of transport. It responds to events like collision, sinking, fire, theft, and rough handling during loading and unloading.

Cover can be arranged on a single-shipment or annual basis, and can extend to cover goods at any stage of the supply chain. We help you understand where your existing cover may have gaps, particularly around storage between transit legs.

Which Sectors Often Need Marine & Cargo Insurance

These are the sectors where Marine & Cargo Insurance is typically a core requirement — not on the list? Get in touch and we'll talk through what you need.

Click on a sector to learn more about other insurances that may be needed to protect your business.

What You'll Need for a Marine & Cargo Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation
Goods Description

The type of goods being transported and their typical value per shipment.

Shipment Volume

Your estimated annual shipment volume or value, used to calculate the premium.

Modes & Routes

How goods are transported (sea, air, road, rail) and the typical routes or destinations involved.

Claims History

The details of any claims made in the past 5 years.

How Marine & Cargo Insurance Differs From Related Products

Marine & Cargo vs. Stock & Spoilage

Marine & Cargo covers goods while they're in transit. Stock & Spoilage covers stock once it's stored — relevant together for businesses where spoilage risk spans both movement and storage.

Marine & Cargo vs. Marine Hull (Commercial)

Marine & Cargo covers the goods being transported. Marine Hull (Commercial) covers the vessel itself — relevant for businesses that own and operate their own boats.

Marine & Cargo vs. Commercial Motor Fleet

Commercial Motor Fleet covers the vehicle itself. Marine & Cargo covers the goods being carried, regardless of which vehicle, vessel, or carrier is used.

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Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

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The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.

Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.