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Understand your risks

What are you really protecting in transit?

Tap each hotspot to see what matters most in a cargo and inland marine policy and how it protects your property.

Cargo and inland marine risks
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Cargo coverage

Helps protect goods you’re hauling for others while they’re in transit.

How Amara helps:

Cargo coverage is designed for freight and goods you transport as part of your business. If the load is damaged, lost, or stolen during a covered trip, this part of the policy can help with the claim.

Get a Free Quote for This Coverage →

Coverage basics

Cargo and inland marine explained in plain English

Here’s the simple version of the main coverages so you can match the policy to what you move, store, or use off-site.

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Cargo

Protects goods you transport for others if they’re damaged, lost, or stolen in transit.

Covered
Covered: freight, shipped goods, load damage
Not usually covered
Not usually covered: excluded items or uncovered hauling
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Tools and equipment

Covers tools, materials, and equipment that travel with your business to job sites or projects.

Covered
Covered: contractor tools, mobile equipment, materials
Not usually covered
Not usually covered: normal wear and tear
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Transit

Helps protect property while it’s being moved between locations or to a temporary site.

Covered
Covered: property in transit, loading and unloading exposures
Not usually covered
Not usually covered: items not listed or properly scheduled
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Builders risk

Helps protect materials and structures while construction or installation is underway.

Covered
Covered: materials on site, projects under construction
Not usually covered
Not usually covered: completed structures after handoff

Quick guide

What kind of cargo and inland marine setup do you need?

Use this to see which type of protection usually fits your property and how you use it.

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Contractor tools

Usually needs coverage for tools and equipment that leave the shop and travel to jobs.

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Freight hauling

Usually needs cargo coverage for goods transported on behalf of customers.

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Project materials

May need builders risk or installation coverage for materials before a project is finished.

Specialty property

May need custom inland marine coverage for electronics, signs, refrigerated items, or valuables.