Marine Insurance for Perishable Cargo

Marine Cargo Insurance for Perishable & Vegetable Exports | Cargo Cover

India is among the world's top exporters of onions, potatoes, tomatoes, and fresh vegetables, with major volumes moving to the Middle East, Bangladesh, Sri Lanka, Southeast Asia, and Europe. Perishable cargo is uniquely vulnerable to temperature fluctuation, delay, spoilage, and moisture damage during transit, making specialized marine cargo insurance critical for exporters, traders, and cold-chain logistics providers.

Cargo Cover, India's first dedicated marine insurance desk backed by ICICI Lombard, offers specialized marine cargo insurance for perishable and vegetable exports, structured around the real risks of reefer and temperature-sensitive shipments.

Why Perishable Cargo Needs Specialized Cover
Onions, potatoes, tomatoes, and fresh produce are highly sensitive to temperature deviation, humidity, ventilation failure, and transit delay. A single reefer malfunction, port congestion, or customs hold can result in total spoilage. Standard cargo policies often exclude inherent vice and natural deterioration, leaving exporters exposed to major losses. Cargo Cover's policies are designed specifically to address these gaps.

Main Ports
Origin: JNPT, Mundra, Kandla, Chennai, Tuticorin, Vizag, Kolkata, Cochin
Key Trade Routes: Middle East (Dubai, Jebel Ali, Dammam), Bangladesh, Sri Lanka, Malaysia, Singapore, Europe

Main Products Insured
Onions, potatoes, tomatoes, fresh vegetables, fruits, leafy greens, frozen vegetables, processed and dehydrated vegetables, seafood and fisheries products, dairy, and other temperature-sensitive agro-commodities.

Our Specialization
Cover structured specifically for reefer container and temperature-controlled shipments, risk assessment based on cold-chain integrity and packing standards, policies addressing delay-related spoilage and ventilation failure, support for FCL, LCL, and break-bulk perishable cargo, and coverage aligned with short shelf-life transit timelines across regional and long-haul routes.

Clauses and Risks Covered
Institute Cargo Clauses A for all-risk cover including physical damage, contamination, and handling loss. Institute Frozen Food and Reefer Clauses for temperature deviation and refrigeration breakdown. Warehouse-to-Warehouse Clause for continuous cover from farm or pack-house to destination. Delay Clause for port congestion, customs holds, and transshipment delays. Institute War Clauses and Strikes Clauses for SRCC risk. General Average and Salvage Charges Clause. Duty and Increased Value Clause. Rejection Clause for buyer-rejected consignments due to spoilage or quality failure on arrival.

Benefits of Working With Us
Specialized underwriting for reefer and perishable cargo, not generic cargo templates. Faster claims processing for spoilage and temperature-deviation claims. Backing by ICICI Lombard for strong claims-paying capacity. Support for exporters, traders, cold storage operators, and freight forwarders. Real INR-based premium structuring. Documentation support for spoilage claims requiring survey and temperature logs.

Ideal for onion and potato exporters, vegetable and fruit trading houses, cold-chain logistics providers, CHAs, and freight forwarders handling perishable and reefer cargo from India to global markets.

Cargo Cover, protecting India's perishable exports, farm to destination.