Marine Cargo

Marine cargo insurance is an integral part of National / International Trade and is required by Importers, Exporters, Manufacturers, Distributors, Retailers, Wholesalers and others engaged in the movement of goods by sea, air, road, rail and post.

The Risks/Hazards during transit:

The main hazards to which moving goods and/or property are exposed during transit are:

  • Perils of the sea
  • Theft
  • Malicious Damage
  • Fire and Accidental Damage etc


Types of policies:

  • Specific Policy: a policy for a single shipment by sea / air / rail / post.
  • Open Policy: an annual policy subject to declarations for policy issuance at agreed upon rates.


Hull and Associated Interest

We pride ourselves in obtaining the cover our clients’ businesses require, from reputable global insurers. We can provide advice and have expert knowledge in the following:

  • Hull and Machinery business
  • Loss of Hire
  • Protection and Indemnity
  • Charterers Liability
  • Other Marine related Liability risks


Howden in the UK currently represent some of the largest Ship Owners and Operators in Continental Europe, Scandinavia, the USA and Asia and can offer a bespoke product in respect of all types of tonnage and exposures.

War and Political Risks

We provide cover for the risks associated with international trade and investments. We have developed tailored policies in respect of the following:

  • War Risks insurance
  • Confiscation, Expropriation and Nationalisation insurance
  • Credit insurance


Ports and Terminals

We have developed in-depth expertise in this area, designing insurance programmes to meet the specific needs of port authorities worldwide, including:

  • Loss of / damage to cargo under your care, custody or control
  • Third party liability
  • Professional indemnity
  • Fines and penalties
  • Physical loss of or damage to equipment
  • Port property
  • Business Interruption


Our aim is to provide both a flexible and comprehensive programme of insurance coverage.

Ship Finance

We provide a broad range of products for financial institutions involved in all aspects of the maritime industry. Our expertise covers the following areas of ship mortgage insurance and financing:

  • Mortgagees’ Interest
  • Innocent Owner’s insurance
  • Lessor’s Interest insurance
  • Political Risks insurance
  • Shipyard and Related Risks


We can deliver solutions for all your requirements in respect of Shipyard and Building Risks insurance, Ship Repairers’ Liability and Delay in Delivery products worldwide.