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There are good reasons to consider Marine Cargo and Liability insurances from AIG

Cargo Insurance covers loss/or damage during the movement of cargo from one port/country to another. Sending can be by sea, air or inland. Coverage can be provided for all risks or named perils basis. Cargo Liability Insurance provides Freight Services companies coverage for physical loss/or damage to customers’ cargo and for their consequential loss resulting from such loss or damage. Policies are tailored to suit individual Insured’s needs.

Emerging markets

As goods cross borders by land, air or sea keeping control becomes increasingly difficult. Globalisation has made trade with less developed countries a reality, where weaker logistics infrastructure and theft may pose threats to freight delivery.

Managing your risks

AIG provides a risk prevention service (known as Marine Loss Control Engineering) so our customers can rely on a specialised entity to monitor their risks and to work on reducing the potential for losses or damage.

International is our middle name

AIG can combine technical efficiency with a pragmatic business approach, while employing our broad international network to ensure the best possible protection for our customers’ assets and their business reputation.

Maintaining expectations

Technological advances have created high expectations by customers in terms of manufacture and delivery. Supply chains need to be protected from disruption and the negative impacts on customer loyalty, company reputation and cash flow.

The full range of solutions

AIG offers freight insurance in all its forms: door to door, or warehouse to warehouse, by sea, land, air or rail and from raw material to finished product. We regularly cover infrastructure projects thousands of kilometres from our clients’ bases.

Our claims and service strength

AIG is committed to building strong, lasting relationships with clients. They can draw on the servicing and claims of our offices across the globe, including key emerging markets, to ensure a uniform and reliable experience.

Who is it for?

  • Primary Industry, secondary and retail.
  • Infrastructure projects (Project Cargo) with coverage of consequential losses (ALOP - Advanced Loss of Profit).
  • Freight services (such as forwarding agents wishing to offer Freight Transport insurance to their customers).
  • SMEs, multinationals and in general, all exporters and importers

What is covered?

  • All-risk and third party coverage can be underwritten for exporters and importers (including stock throughput), multinational accounts (including captives), freight forwarders and infrastructure projects.
  • Comprehensive coverage for goods in transit can be enhanced to include warehouse storage for consolidation risks. Worldwide master policies, including locally admitted coverage as required, are available.
  • Underwriting, claims, recovery, loss control and risk management services provided by marine specialists throughout the world.

Specialist limited liability coverage for incidents occurring within standard terms and conditions, when cargo is being conveyed from A to B.


Swiss based and international companies, whether carriers or freight forwarders.

Features & Benefits

  • Global coverage
  • Dedicated team


  • Freight Services Liability covered by Swiss or International conventions
  • Optional covers
  • Warehousekeeper’s liability
  • Shipper's interest
  • Bespoke contracts
  • Errors and Omissions
  • Consequential Loss
  • Fronted solutions for Captives

Comprehensive coverage for goods in transit from warehouse to warehouse anywhere in the world.


Swiss based and international companies, whether manufacturers, importers or exporters.

Features & Benefits

  • Global coverage with local policies where needed 
  • Experienced personnel
  • Pro-active involvement of Loss Prevention world-wide 
  • Tailored policies


Physical damage to or loss of cargo 
Optional Covers 

  • Stock throughput
  • Exhibitions
  • Own Goods (Engineers Tools/Equipment)
  • Project Cargo and Delay in Start-Up
  • Ability to front for Captives

All risks cover for property whilst in transit with optional covers for advanced loss of profit and/or consequential loss.  Our team of in-house marine loss control engineers will work closely with underwriters to design and coordinate a comprehensive survey plan to fit the needs of each project.


Swiss based and international companies involved in large infrastructure construction projects anywhere in the world.

Features & Benefits

  • Global coverage
  • Experienced personnel
  • Pro-active involvement
  • Tailored policy


  • Physical damage or loss to cargo
  • Optional covers
  • Advanced Loss of Profits or Delay in Start-up cover

Loss Control Engineering

At AIG we believe in going beyond traditional risk assessments by working in partnership with our clients and brokers to produce a bespoke added value service to meet our mutual needs on business and asset protection.

Expert Focus is given to help insureds prevent losses and mitigate those that do occur. We are committed to long-term partnership and client satisfaction.

Service includes:

Marine Loss Control Engineering (MLCE) – More than 15 experienced loss control professionals spanning throughout the world help policyholders reduce trade and transportation risks and minimize costly delays. Our comprehensive loss control services are based on three core principles:

  • Proactive loss prevention – Avoid losses by analysing potential exposures and minimizes them.
  • Reactive loss control – Prevent future losses by analysing historical loss frequency and severity trends and acting to address vulnerabilities.
  • Communication – Maintain open communication between policyholders and loss control professionals to enhance loss prevention efforts.

MLCE strives to avoid losses by analysing potential exposures and presenting tailored recommendations to minimise them. We provide clients with an outline of potential problems and their solutions based upon our loss control capabilities, local knowledge and global strengths.

A risk assessment could be one or a multiple of the following depending on the type of business and the insurance taken out:  a review of the insured’s business soon after inception; appointment of surveyors for cargo movements; orchestrating a ‘Kick-off’ meeting for a project cargo; a review of claims; reviewing transport documentation and commenting thereon; warehouse risk assessment; carrier risk assessment etc.

Treating our clients as partners in the process, we are diligent in our efforts to develop and implement strategies for eliminating or reducing loss exposures to mutual benefit.

MLCE strives to prevent future losses by analysing client loss frequency and severity trends and implementing practical, feasible recommendations in accordance with the needs and requirements of each insured.

MLCE strives to ensure open lines of communication, to act as a “knowledge centre” and exchange essential information that will assist the client, underwriter and MLCE team in carrying out loss prevention initiatives during the policy period.

The Marine Loss Control Engineering Team consists of a global network of more than 15 strategically placed, full time, loss control managers, made up of seasoned professionals with 25 years of experience in the industry on average, most with sea-going experience and licensed as Master Mariners. The team also has wide ranging complimentary expertise as former cargo surveyors, port captains and claims specialists as well as specialised skill and experience in areas such as cargo crime prevention, logistics, and packaging. 

To take advantage of the team’s complimentary skills and expertise as well as maintain a worldwide consistent approach and maximise our effectiveness in delivering the full range of loss control services to our clients on a local level, the team has developed “Centers of Excellence” (COE) for the following disciplines:

  • Logistics and Security
  • Static Risks
  • General Cargo
  • Bulk Cargo
  • Dangerous Goods
  • Infrastructure / Heavy-Lift Cargo
  • Hull and Machinery
  • Marine Liabilities
  • Recreational Marine

Each COE includes a committee of MLCE managers with the necessary expertise to ensure that our services remain on the cutting edge in the related field and all local loss control operations remain fully supported on a global level.

In addition to the risk assessment programme, AIG MLCE has developed a “knowledge centre” containing a number of documents and training materials covering a wide range of marine related technical subjects that are available to support the overall group risk management philosophy and provide guidance on operational best practice.

Also available are products such as Insight, an ever expanding suite of ‘Best Practice’ documents produced by AIG property engineers covering a range of Property related technical subjects giving guidance to assist you in mitigating and controlling hazards across your ‘cargo in warehouses’ portfolio.

For more information please email


AIG Global Marine’s Claims Services network offers clients the best of both worlds. Our policyholders can resolve claims in their language and currency, while the original insured can liaise with regional management to address concerns or requirements. Our claims handlers’ knowledge of international marine insurance law and conventions and Swiss regulations enable us to resolve claims quickly and maximize recoveries, delivering tremendous benefit to our customers.

Comprehensive Recovery Support – Marine recoveries are central to our approach to claims. Local and regional recovery specialists focus on achieving maximum recovery on every claim. Such efforts help insured’s maintain a favourable loss experience and keep premiums down.

To report a claim please email


                                                          AIG Multinational