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Cargo insurance, instant quote.

SMEs without group leverage typically overpay 30–40% on marine cargo insurance. We aggregate the SME flow and price quotes through partner brokers (PZU · Warta · Allianz Trade · Atradius · Lloyd's brokers). You get a binding quote in seconds; we keep a small commission. The broker carries the risk.

Get an instant quote How it works
How it works

Three steps · two minutes · indicative rate.

A binding quote follows from the partner broker. The marketplace aggregates SME demand to lower the rate every member pays.

01
Tell us about the cargo
Cargo value, transport mode (sea / air / rail), goods type, origin → destination corridor. The form takes ~90 seconds.
02
See the quote, with the math
Indicative premium calculated against base rate × goods-type loading × route loading × coverage clause. The formula is transparent — no black-box pricing.
03
Bind the cover via partner broker
Accept the indicative quote and we route to the partner broker for the binding policy. Cover begins warehouse-to-warehouse on policy effective date.
04
Pay-on-claim by the broker
OrcaTrade is the marketplace. Risk sits with the underwriter. Claims handling and payout via the partner broker; we facilitate but do not underwrite.
Coverage options

Three Institute Cargo Clauses, one quote.

Recommended

ICC (A) — All risks

All risks of physical loss or damage from external cause, except specified exclusions. Warehouse-to-warehouse cover.

  • Theft, damage, fire, water
  • Collision, sinking, derailment
  • Loading / discharge events
  • Excludes wilful misconduct, ordinary wear-and-tear, war and strikes (separate riders available)
Named perils

ICC (B) — Specified casualties

Named-perils coverage. Cheaper than (A) but doesn't cover theft, breakage, or pilferage.

  • Fire, explosion, vessel casualty
  • Jettison, washing overboard
  • Total loss of any package lost overboard or dropped during loading
Major casualties

ICC (C) — Catastrophic loss only

Narrowest coverage. Only major casualties. Avoid unless the cargo is genuinely low-risk and low-value.

  • Fire, explosion
  • Vessel sinking / stranding / collision
  • Jettison, general average sacrifice
FAQ

Common questions before you bind.

Are you the underwriter?
No. OrcaTrade is the marketplace. Underwriting and risk-bearing sit with the partner broker (PZU, Warta, Allianz Trade, Atradius, Lloyd's brokers depending on the quote). We earn a commission on each policy bound; the broker handles claims.
When does cover start?
Standard ICC (A) is warehouse-to-warehouse: cover begins at the named place of origin and ends at the named place of destination. Effective from policy issue.
Can I add war / strikes / piracy cover?
Yes — separate riders available for an additional premium, typically 0.05–0.20% of insured value. Mention specific routes (Red Sea, Black Sea) at quote time.
What's the minimum premium?
€35 minimum across all carriers and routes. Below ~€60k insured value, the minimum applies regardless of cargo type.
How do I file a claim?
Notify OrcaTrade and the partner broker within 7 days of incident. Supply Bill of Lading, claim form, photographic evidence, and survey report. The broker handles payout per policy terms; we coordinate the paperwork.
Does the quote include tax?
Insurance Premium Tax (IPT) varies by destination Member State (Polish 3.6%, German 19% for marine cargo, French 9%, etc.). The binding quote from the broker shows IPT explicitly.
Ready

90 seconds. One quote. No commitment.

Indicative premium with the math shown. Binding quote follows via partner broker.

Get an instant quote →