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Product and services

Goods-in-transit insurance

Cover your cargo, bolster your business – with goods-in-transit insurance arranged by Marsh.

Key product highlights

Crashed or overturned vehicle

Accidents are common. And they can ruin even the most well-secured cargo – especially if the vehicle gets overturned. Whether it’s with a stable force or another moving vehicle, we can help cover the consequential costs of collision and overturning.

Theft and vandalism

If your goods are reasonably secured – like inside of a locked car or garage – we can help cover replacement and repair costs of stolen cargo. Similarly, we can arrange a policy for vandalism and malicious damage while your cargo is on the move.

Natural disturbances

Nature is unpredictable. If your transport items are damaged or destroyed during a natural event – like a hailstorm, fire or earthquake – goods-in-transit insurance can help. We can arrange a policy to cushion the financial fallout of environmental damage.

Accidental damage

A typical goods-in-transit policy has accidental damage as a core inclusion. Starting from the loading dock and ending at the drop-off point, goods-in-transit insurance can cover damage caused by en route accidents or even malfunctioning refrigeration machinery.

Dropping cargo

The journey to the drop-off point might be smooth and simple. But some accidents happen at the end. Goods-in-transit insurance can provide coverage for goods dropped while loading and unloading – or cargo that spills out of an open shipping container.

Fire

Fire can break out in many ways. A disastrous accident is one example – but bushfires, lightning, fuel leaks and electrical faults can happen unexpectedly. Goods-in-transit insurance can cover any goods that are damaged or destroyed during an inferno.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker will spot your unique set of risks, match you to the right choice, and advocate for you on price.

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Competitive premiums

We negotiate the most competitive premiums – and obtain multiple quotes from multiple insurers – to get you the most value we can.

Tailored cover and advice

We work with companies of all types and sizes. We can offer you personalised advice and arrange tailored cover – whatever your risk needs.

Award-winning expertise

The Australian Insurance Industry Awards has awarded Marsh the title of Large Broking Company of the Year on multiple occasions.

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Need a range of covers to suit your business needs? Explore Marsh’s business bundles for glass, theft, contents cover and more.

 

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A storm, cyber attack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

Truck insurance

If trucks are integral to your operations, truck insurance is a wise investment. Let Marsh arrange the right cover for you.
  

Transport insurance

Whether by freight, rail, road or air, transport comes with unique risks. Let us arrange comprehensive cover tailored to your needs.

Craft breweries insurance

Damage, accidents and product recalls don’t have to halt your business. Let us arrange your tailored cover to help keep things flowing.

Motor trade insurance

Help protect your business against financial loss if damage or an accident occurs. Let us arrange a motor trade policy tailored to you.

Retail insurance

Whether you’re online or in-store, let Marsh service your insurance needs – so you can stay focused on your customers.
  

Construction insurance

Injury and property damage are just two prominent construction risks. Let us arrange insurance for those most relevant to you.

Frequently asked questions

Goods-in-transit insurance is imperative for anyone who moves goods from Point A to Point B for a living.  

 

Professions who stand to benefit the most from this policy include:

  • Couriers

  • Removalists

  • Movers

  • Delivery workers

  • Truck drivers

  • Exporters, importers and distributors Manufacturers.

Most policies cover cargo from the time it is first moved – by hand and into the vehicle – and end once it’s been unloaded.

However, each policy is different. Be sure to speak with your insurer to determine the exact timeframe you’re covered for.

The costs of goods-in-transit insurance can vary from business to business. The value of the goods being transported, the pick-up and drop-off locations, and the type of goods being transported can all impact premiums.

Additionally, higher-risk goods might incur higher premiums on a goods-in-transit policy.

Yes. Goods-in-transit insurance only covers the contents of the vehicle while they’re in transit. So a goods-in-transit policy should not replace your business vehicle policy.

No. Transport operators aren’t legally required to obtain a goods-in-transit policy – but some clients might ask for proof of cover before they enter into a contract with you.

LCPA 23/127

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.