Inbound Materials
Raw materials and components may be critical to production long before they reach the plant.
Cargo & Stock Throughput Insurance
Protect Inventory Across the Full Supply Chain
Follow raw materials, work in process and finished goods through transit, processing, storage and delivery—not only while they sit inside the facility.
Cargo Risk for Manufacturers
The Exposure Begins Before Production and Continues After the Product Leaves
Manufacturers depend on goods moving between suppliers, plants, outside processors, warehouses, distributors and customers. Damage, theft, contamination and delay can interrupt production or create a loss well beyond the freight carrier’s contractual responsibility.
A useful review follows the inventory journey from source to final destination and tests who is responsible at every handoff.
Supply-Chain Exposure Analysis
Where Cargo Losses Can Develop
Outside Processing
Goods may travel repeatedly between heat treaters, coaters, finishers, assemblers and other vendors.
Storage & Warehousing
Inventory may accumulate at owned or third-party locations that carry different limits and catastrophe exposures.
Finished Products
High-value shipments can be damaged or stolen before delivery, acceptance or final payment.
Imports & Exports
International shipments add ports, customs, ocean transit, changing jurisdictions and longer accumulation periods.
Carrier Dependency
Carrier contracts and liability limits may not equal the manufacturer’s actual replacement cost or lost margin.
Stock Throughput Insurance
One Inventory Journey Can Cross Several Traditional Policies
A stock throughput policy is a marine cargo solution that may cover qualifying inventory through multiple stages—from sourcing and inbound transit through processing, storage and final delivery. The goal is a more continuous structure with fewer handoffs between separate property and transit policies.
Coverage scope, valuation, locations, catastrophe limits and attachment points still require careful analysis.
Evaluate Stock ThroughputContracts, Shipping Terms and Valuation
Ownership Alone Does Not Determine Who Pays
Responsibility may depend on purchase agreements, shipping terms, bills of lading, carrier agreements, cause of loss and when title or risk transfers. Carrier liability can differ substantially from the shipment’s full replacement value.
Follow each shipment:
- Who owns the property
- Who arranges transportation
- When risk transfers
- How the shipment is valued
- Carrier limits and agreements
- Loading, storage and delivery points
Cargo Program Structure
Coverage Options Should Match How Inventory Actually Moves
Domestic Cargo
Qualifying goods transported within the country between suppliers, facilities, processors, warehouses and customers.
Ocean Cargo
Qualifying imports, exports and related transit stages, subject to territory, conveyance and policy terms.
Stock Throughput
A potentially continuous inventory structure spanning qualifying transit, processing, storage and delivery stages.
Warehouse & Storage
Inventory at owned or third-party locations, including peak values, catastrophe exposure and concentration.
Contingent Cargo
Potential protection when a party expected to insure the goods does not provide collectible coverage, subject to terms.
Project & Specialized Cargo
Large, unusual or high-value shipments that may require engineered transit, special valuation or tailored conditions.
Movable tools, equipment and customer property are addressed with property and inland marine considerations. Explore Property, Equipment & Inland Marine
Common Questions
Cargo & Stock Throughput FAQs
What is stock throughput insurance?
A stock throughput policy is a marine cargo solution designed to cover qualifying inventory through multiple stages of its journey, which may include sourcing, transit, processing, storage and delivery, subject to policy terms, limits and exclusions.
Are a manufacturer’s products covered while in transit?
Coverage depends on ownership, shipping terms, carrier responsibility, valuation, cause of loss and policy language. Carrier liability may be substantially lower than the shipment’s replacement value, so the full movement of goods should be reviewed.
Does outsourcing transportation eliminate cargo risk?
No. Contracts, bills of lading, shipping terms, carrier limits and the timing of title or risk transfer can leave the manufacturer with an exposure even when a third party transports the goods.
What is the difference between cargo and inland marine coverage?
Cargo coverage generally focuses on goods and inventory in transit or across the supply chain. Inland marine may protect qualifying movable equipment, tools, customer property and other assets away from the primary premises. Exact treatment depends on policy language.
Follow the Inventory From Source to Customer
Review Every Handoff, Location and Accumulation Point
We’ll help identify where contracts, carrier limits or disconnected policies may leave the supply chain exposed.