ICC clauses you can read, premiums priced against the route.
Marine cargo insurance is sold by every freight forwarder as a tickbox at booking — and most importers pay 20–40% over the underwriter rate without seeing the policy wording. We quote Institute Cargo Clauses (A / B / C) per consignment with the war-and-strikes endorsement called out separately, the exclusions surfaced in plain English, and the premium routed through our underwriter partners.
Standard market practice: insured value = invoice + freight + 10% expected gross margin. The 10% is negotiable up to 20% on high-margin consumer goods.
A = all-risks (broadest). B = named perils (fire, collision, jettison, etc.). C = limited (major casualties only). The platform recommends per cargo profile.
A separate endorsement for war, strikes, riots, civil commotion. Required on pirate-risk waters and certain trade lanes; called out explicitly when relevant.
Always ICC(A) + W&S
Phones, tablets, lithium batteries — high theft risk + high replacement cost. ICC(A) all-risks is the default. War & strikes added on any route crossing pirate-risk corridors.
ICC(C) often sufficient
Steel, aluminium, raw chemicals — low per-unit theft incentive, large casualties are the real risk. C-clauses cover the catastrophic events without the premium of all-risks.
Low-value samples
Sub-€2k consignments where the premium + admin exceeds the salvage value. Document the decision and self-insure.
Cargo insurance is line 5 of the landed-cost quote.
Run the wizard once; the insurance quote ships alongside duty, VAT, freight and brokerage. Underwriter premiums, not retail markup.