Marine Cargo
Protecting goods in transit requires more than basic cover - understanding marine cargo risks helps you select the right level of protection.
At Commercial and Rural Insurance Brokers, we’re not just insurance brokers - we’re part of the Central Otago community. Our team brings local knowledge, industry expertise, and a genuine commitment to helping rural clients thrive. Central Otago is home to a vibrant mix of small businesses - from boutique retail and hospitality to trades, tourism, and professional services. These businesses are the lifeblood of our towns and communities, built on hard work, relationships, and resilience.
At Commercial and Rural Insurance Brokers, we understand the challenges and opportunities that come with running a business in this region. That’s why we offer tailored business insurance solutions designed to protect your operations, your people, and your future. Business insurance is a flexible suite of cover options that help protect your enterprise from financial loss due to unexpected events.
Whether you're a sole trader, a family-run operation, or a growing company, business insurance can be shaped to suit your size, industry, and risk profile. We know that every business has its own story - and its own risks. Our team works closely with local business owners across Central Otago to deliver insurance solutions
Keep your supply chain moving with confidence — we’ll help you find the right marine cargo protection.
Essential Safeguards and Operational Continuity in Marine Cargo Insurance
This insurance framework is designed to reduce the financial impact of disrupted supply chains. By extending protection beyond standard physical damage, consequential loss cover helps ensure your business remains operational when critical shipments are delayed or lost.
Delayed Start‑Up Costs: Mitigates the financial ripple effects caused by operational interruptions, keeping your project timelines and financials on track.
Product Holding Costs: Relieves the financial burden of storing or maintaining products longer than anticipated due to transit disruptions.
Fixed Overhead Costs: Ensures your financial obligations - such as rent, salaries, and utilities - are met regardless of current business performance.
Loss of Profits: Protects your bottom line by compensating for revenue lost when assets fail to reach their destination on time, maintaining your organisational pathway.
Standard NZ Exclusions: Policies typically exclude losses from willful misconduct, insolvency of carriers, or inherent vice in the goods themselves.
Geographic and Time Limits: Coverage often applies worldwide but may include time deductibles or waiting periods before consequential loss benefits trigger.
Claim Requirements: Successful claims require essential documentation, including the Bill of Lading, commercial invoice, and a formal notice of claim.
Consequential loss protection strengthens your marine cargo insurance by addressing the operational and financial pressures that arise when shipments don’t arrive as planned. It ensures your business can continue meeting obligations, maintaining continuity, and protecting revenue even when supply chain disruptions occur.
Here’s how we work:
We listen first. Every farm and rural business is different. We take the time to understand your property, your operations, and your priorities.
We tailor your cover and build insurance solutions that reflect your actual risks and needs.
We advocate for you. If you need to make a claim, we’re in your corner — helping you navigate the process and get fair outcomes.
We stay connected. As your business evolves, we’re here to review and adjust your cover so it keeps pace with your growth.