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Cargo insurance

Cargo insurance from 0.1%. Payments within 14 days

We insure international cargo from 0.1% of the cost. Coverage 110%, payments within 14 days. We issue a policy 1 business day before the shipment is sent.

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0.1–0.5%
insurance rate
110%
cost coverage
14 days
payment period
100%
payments made
Insurance programs

Three levels of protection for your cargo

Select a program for the route and type of cargo: basic for standard shipments, All Risk for expensive and fragile ones.

Basic
0.1%from the cost of the cargo
5–10days for consideration
  • Named Risks
  • Base coat
  • Fire
  • Flooding

Covers specific risks: fire, collision, flood, natural disasters. Optimal for standard cargo on proven routes.

Extended
0.3%from the cost of the cargo
5–14days for consideration
  • All risks except exceptions
  • Theft
  • Damage
  • Shortage

Covers everything except expressly stated exceptions. Suitable for valuable cargo and transshipment routes.

Full (All Risk)
0.5%from the cost of the cargo
7–14days for consideration
  • All risks
  • Force majeure
  • Delay
  • Damage
  • Loss

Maximum protection. Covers any damages, including force majeure and delays. For expensive, fragile or perishable goods.

Individual
on requestcalculation for cargo
3–7days for consideration
  • Expensive cargo
  • Special cargo
  • Individual conditions
  • Project cargo

For cargo worth over $100,000, non-standard dimensions or with special transportation conditions. Personal calculation from the underwriter.

Payout process

How to receive insurance payment

  1. 01

    Insured event

    Record damage, loss or shortage of cargo. Take photographs of everything - packaging, labeling, damage.

    Straightaway
  2. 02

    Notification

    Notify us within 48 hours. All you have to do is write in Telegram or email with a brief description and photo.

    48 hours
  3. 03

    Documents

    We collect the package: inspection report, bill of lading, invoice, photographic materials. We help you prepare each document and check its completeness before submission.

    3–5 days
  4. 04

    Pay

    The insurance company reviews the case and makes a payment. The average time is 14 working days from the date of submission of the complete package.

    Up to 14 days
Why insure

Without insurance is expensive

Real situations our clients face.

Typical problems

  • A container containing $40,000 worth of goods was damaged during transshipment. The carrier refuses to pay, there is no evidence of his guilt.

  • The insurance payment was rejected: the documents were completed incorrectly, the notification deadlines were missed.

  • We bought “insurance” from the carrier. In the event of a loss, it turned out that coverage is only at the stage of sea transportation, and damage is covered in the warehouse.

  • We decided to save 0.3% on insurance. We lost a shipment worth $25,000 due to flooding in a temporary storage warehouse.

Solutions OZTA

  • The policy covers damage during transshipment. Payment of 110% of the invoice value within 14 days, without courts or proceedings.

  • We guide the client from the first call to payment. We help you collect documents, control deadlines, and check for completeness.

  • Warehouse-to-warehouse insurance: from the sender's door to the recipient's door. There are no blind spots.

  • A rate of 0.1–0.5% is $100–500 per $100,000 cargo. One loss without insurance costs hundreds of times more.

Expert advice

How to insure cargo correctly

Four things that reduce the risk of claim denial and help you choose the right coverage.

  • Proof

    Take photographs of the goods before shipment

    Remove packaging, labeling, contents and loading. In case of an insured event, a photo speeds up payment by 2-3 times.

  • Market standard

    110% is normal practice

    The insured amount is 110% of the invoice - international standard (ICC). An additional 10% covers lost profits and costs of filing a loss.

  • Extension

    Additional reservations are not superfluous

    War, strikes, confiscation - the standard policy does not cover. Additional reservations cost +0.1–0.3% to the base rate.

  • Route coverage

    Warehouse-warehouse instead of port-port

    The port-to-port coverage leaves ground areas unprotected. Namely, this is where up to 40% of damage occurs. Take “warehouse-warehouse.”

What does the cost consist of?

What affects the insurance rate?

Six factors that determine bonuses. Some of them can be controlled - this directly affects the rate.

Cargo cost
The insured amount is calculated from the invoice value + 10%. The more expensive the cargo, the higher the premium in absolute figures, but the rate may be lower.

Usually 110% of CIF

Route risk
Routes through areas with high rates of theft, piracy, or military conflict up the ante. Direct flights are cheaper than multimodal flights.

Increase up to +0.2%

Cargo type
Electronics, glass, liquids, perishable goods - increased rate. Raw materials and industrial materials - reduced.

Depends on category

Packaging quality
Factory packaging with palletizing and lathing cuts the ante. Products without packaging or in damaged containers are grounds for a surcharge.

Discount up to -0.05%

Type of transport
Sea freight - base rate. Air - lower (less travel time). Automobile - depends on the region and distance.

Air from 0.1%

History of losses
Regular customers without insurance claims receive a discount. Frequent losses are a reason to increase the rate or add additional conditions.

Break-even bonus

FAQ

Frequently Asked Questions

Answers to frequently asked questions about cargo insurance for international transport.

Insure your cargo before shipment

One policy, and $40,000 will not turn into a loss. We will calculate your bet in 15 minutes. If something goes wrong, we will return the money.

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