Financial Protection
Mitigate potential losses due to damaged or lost cargo, safeguarding your bottom line.
Cargo Insurance
Coverage for Every Mile
Our tailored insurance solutions protect your goods against loss, damage, or theft at every stage of the journey. Backed by more than 250 years of combined industry experience, we match coverage to the value, risk, and mode of each shipment, so a single bad day at sea, in the air, or on the road never becomes a lasting financial setback.
Your Trusted Partner for Cargo Insurance Services.
Cargo insurance offers coverage for physical loss or damage to goods during transportation by land, sea, or air. It protects businesses from financial losses arising from various risks, including natural disasters, accidents, theft, and other unforeseen events.
We treat cargo insurance as part of your supply chain strategy, not an afterthought bolted on at the dock. Every policy we help place is built around the specific commodity, value, and route at hand, whether that is a single ocean container, an air shipment of high-value components, or a multimodal project cargo move. That approach is grounded in more than 250 years of combined industry experience and a long Norfolk customs brokerage legacy. With a proven track record in cargo insurance compliance, W.M. Stone is your trusted partner in safeguarding shipments and navigating the regulatory requirements that come with them.
Underwritten Peace of Mind
Every shipment we help insure is backed by a policy built to respond when loss, damage, or theft actually happens, not just protection on paper.
One Partner, Full Coordination
As both a licensed U.S. customs broker and a freight forwarder, we coordinate insurance alongside customs clearance and transportation, instead of handling it in isolation.
Built on 250+ Years of Experience
Our team draws on more than two centuries of combined industry experience to match coverage to real-world cargo risk, not generic boilerplate terms.
A Norfolk Legacy of Trust
Continuing a long Norfolk customs brokerage legacy, we bring institutional knowledge to every policy we help place.
250+ YearsOf combined industry experience
Our Cargo Insurance Services.
From policy placement to claims support, we handle the details so your coverage is right the first time.
Risk Management
Enhance your company's risk management strategy by transferring the financial burden of unforeseen events to the insurer.
Customer Confidence
Assure your clients that their goods are protected, strengthening trust and reliability in your services.
Policy Placement & Binding
We identify and help bind the right marine cargo policy for each shipment, matching coverage terms to commodity, value, and mode of transport.
All-Risk & Named-Peril Options
From broad all-risk cargo coverage to named-peril policies for specific exposures, we structure protection to fit your risk tolerance and budget.
Certificates & Documentation
We issue certificates of insurance and supporting documentation promptly, so your shipments move without paperwork delays.
The W.M. Stone Commitment.
We are dedicated to providing:
Comprehensive Coverage
Our policies are designed to cover a wide range of risks, ensuring your cargo is protected throughout its journey.
Customized Solutions
We tailor our insurance offerings to meet the specific needs of your business and the nature of your shipments.
Expert Claims Handling
Our experienced team provides prompt and efficient claims processing, minimizing disruptions to your operations.
Complementary Services.
Cargo insurance works best alongside the compliance and customs services that keep your shipments moving in the first place.
Commonly Asked Questions.
What shippers ask us most before insuring a shipment.
What does cargo insurance actually cover?
Cargo insurance covers physical loss or damage to goods during transportation by land, sea, or air, including risks such as natural disasters, accidents, theft, and other unforeseen events. Coverage terms are set out in the policy issued for your shipment.
Isn't my cargo already covered by the carrier's liability?
Ocean, air, and motor carrier liability is limited by law and by the terms of the bill of lading or tariff, and those limits are typically far below the actual value of your cargo. Cargo insurance closes that gap so a covered loss is reimbursed based on the value you declare, not the carrier's limited liability.
Can coverage be tailored to my industry or commodity?
Yes. We tailor our insurance offerings to meet the specific needs of your business and the nature of your shipments, from standard commercial goods to high-value or project cargo moves.
Do you provide certificates of insurance for individual shipments?
Yes. We issue certificates of insurance and supporting documentation for your shipments, so proof of coverage is ready when a customer, bank, or partner requires it.
What happens if I need to file a claim?
Our experienced team provides prompt and efficient claims processing, minimizing disruptions to your operations. We work the claim from filing through resolution alongside you.
How do I get started with cargo insurance coverage?
Contact us at (757) 800-6080 or through our online quote form with the details of your shipment. Our team will help identify and place the right coverage for your cargo, commodity, and route.
Our Accreditations.
Trusted Cargo Insurance with W.M. Stone.
With a proven track record in cargo insurance compliance, W.M. Stone is your trusted partner in safeguarding shipments and navigating complex regulatory requirements.