Place Larger Cargo Risks Through Intact Insurance
September 24, 2026
Today's cargo risks are becoming more challenging to insure. Shipments are larger, inventory values are increasing, and supply chain strategies are shifting in response to evolving market conditions. As exposures grow, traditional placements often require multiple markets, creating added complexity and uncertainty for brokers.
That's where greater capacity can make a difference.
Intact Insurance's Ocean Marine team can now place cargo risks at 100%, with capacity up to $50 million on primary layers for qualifying accounts. This means one market writes the full primary layer, eliminating the need for follow-on markets.
Why This Matters Now
This added capacity comes as cargo risks evolve. Businesses are adapting to changing market conditions in ways that can concentrate risk, creating exposures many cargo insurance programs were not designed to accommodate.
Key challenges include:
Larger, consolidated shipments to get ahead of tariffs. More value in one load, and a larger loss if something goes wrong.
Longer storage periods as inventory sits, straining warehouse capacity and increasing theft and damage exposures in busy or shared facilities.
Unclear responsibility when Incoterms go unreviewed. Some clients assume coverage is in place when it isn't.
Outdated limits as inventory values increase. Warehouses that once held $2M may now hold $5M or more, leaving clients vulnerable to underinsurance and co-insurance penalties.
As values rise and exposures become more complex, placing cargo risks can become increasingly challenging. Our Ocean Marine specialists are positioned to support brokers through these placements.
How OneCargo Helps Solve These Challenges
OneCargo is Intact Insurance's 100% cargo insurance solution, offering up to $50 million in primary-layer capacity through a single underwriting decision for qualifying accounts.
This enables brokers to:
Place large or complex risks with one carrier and one decision.
Write on standard market terms or broker wordings, with flexible structures and lead positions.
Get timely decisions through local underwriting authority and a streamlined quote-to-bind process.
Increase placement certainty with a single underwriting decision.
Designed for cargo risks with global exposures across the U.S., Canada, Asia, Europe, South America, and other international markets. OneCargo combines significant capacity with a simplified placement experience.
Local Expertise with Global Capabilities
For businesses with international exposures, Intact Insurance provides global cargo solutions. We offer:
Local policy issuance in more than 150 countries and territories.
Centralized accounting that simplifies cross-border transactions and avoids delays in local issuance and payment.
Direct access to local underwriters who know global trade, including project cargo and offshore exposures.
Dedicated marine claims and risk control.
Available coverage may extend from warehouse to warehouse, supported by a network that helps address local regulatory requirements and claims handling.
Let's Build Better Cargo Solutions Together
Whether you’re placing a complex global risk, managing an account with growing cargo values, or exploring where OneCargo fits, our Ocean Marine specialists are here to help.
