Marine Cargo insurance

Tailored cover

At Howden, we’re adept at providing cost-effective cover for complex and non-standard marine risks – but we also source more mainstream insurance, including higher volume, lower value shipments. Cargo Insurance can be tailored to virtually any item or commodity, from a fine art painting to thousands of tonnes of coal and almost anything in between.

We work with local and overseas insurers to cover your domestic and international shipments

Reduce stress and effort with Howden

Marine cargo insurance is less stressful with specialists

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Complex/non-standard risks

Risk is a little unusual? We'll get you a cost-effective deal while the others are scratching their heads.

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Over paying or underinsuring

Avoid financial pitfalls by fine-tuning wordings and optimising spend

Marine policies work in two ways:

  1. Open policy covers you for 12 months at agreed rates, subject to declarations
  2. One-off policy covers a single shipment; door to door, anywhere in the world 

You can choose between a named perils basis, which covers you against specific risks, or an “all-risk” basis (where we consider a scenario covered, unless explicitly stated otherwise).

The main perils covered as standard

  • Fire and explosion
  • Stranding
  • Sinking
  • Capsizing
  • Overturning of a lorry or train
  • Collision
  • Discharge at a port of distress
  • Total loss of vehicle
  • General average sacrifice and jettison 

We work with you to understand your risk profile and help you choose the level of protection that your business needs.

Tailor your policy to suit your needs

We can add clauses to cover risks including: 

  • Advance Loss of Profit
  • Water damage 
  • Theft 
  • Malicious damage 
  • War 
  • Strikes 
  • Accidental breakage 
  • Washing overboard
  • Loading and unloading
  • Customs Duty
  • Removal of Debris

Some of these clauses may be available at no extra costs, depending on your risk profile. 

You may also want to consider:

  • Stock throughput
  • Confiscation & expropriation
  • Credit insurance

Margins are tight in shipping and logistics - you need maximum value for money from your insurance. We’re here to provide it. Howden’s added value consultancy helps with cutting costs without cutting corners – it’s no use having an insurance policy that looks low cost then doesn’t pay out when you need it most. 

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+62 21 2939 4900

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Call us on +62 21 2939 4900 or drop us a quick message and we'll get back to you asap

Visit us at: Millennium Centennial Center, 33rd Floor, Jl. Jend. Sudirman Kav.25, Jakarta 12920

Meet the team

Photo of Firman Amersyah

Firman Amersyah

Senior Vice President
Photo of Firman Amersyah

Firman Amersyah

Senior Vice President

Firman joined Howden in December 2013 as Assistant Vice President in the Strategic Business Development. He is responsible to develop the business strategically across the company. Part of his responsibility is to develop initiatives towards clients.

Prior to joining Howden, Firman worked at Aon as Manager at Corporate Risks Services Division, where handle various major clients as well as Lippo group business. Part of his focus is also to develop affinity initiatives with corporate risks services. Previously, he also worked for JLT to handle corporate and industrial clients for 4 years and prior to that he was working for one of the major bank in Bandung, Panin Bank as internal auditor. He has more than 7 years experience.

Firman graduated from Bina Nusantara University, majoring in computerized accounting. He has just completed one of the professional qualifications from ANZIIF, CIP, Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Ega Napitupulu

Ega Napitupulu

Senior Vice President
Photo of Ega Napitupulu

Ega Napitupulu

Senior Vice President

Since 2010, Ega was part of Business Development team of previous company prior to the acquisition of Howden. Following the restructuring Ega finds her passion to lead corporate and industry team as Assistant Vice President. Part of her responsibility is also to re-initiate marine focus.

Ega had previously working for an insurance company, Asuransi Sinar Mas for 13 years, where she led to grow major risks. She has over 15 years’ experience in the insurance industry,

She has extensive knowledge and experience in Property & Industrial Risks Insurance, Commercial General Liability, and Motor Vehicle.

Ega Graduated from Universitas Trisakti, majoring in Economics. She holds also few professional insurance qualifications, Ajun Ahli Asuransi Kerugian-Indonesia (AAAI-K), Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

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