Amelia Risk vs Aon: How Do They Compare for Cargo and Transit Insurance?

Amelia Risk arranges stock-throughput coverage, which it describes as protecting inventory "at any point in the supply chain" rather than only while goods are physically moving. ⁴Company-reported. Dedicated stock-throughput product page; a brokerage placement, not an insurer-issued policy summary.

Aon states it offers cargo insurance solutions and describes its role as cargo broker. The page does not name the carrier that would insure a particular shipment or account. ¹⁰Company-reported. Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance.

The reviewed pages do not name an insurer for stock-throughput coverage; as a brokerage, Amelia Risk places the policy rather than underwriting it. ⁴Not publicly disclosed. Stock-throughput product page as read on 2026-09-23.

The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. ¹⁰Not found in reviewed sources. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available.

Amelia Risk lists cargo/stock throughput as a coverage for its CPG and consumer-product clients specifically; it does not appear in the startup or technology specialty checklists reviewed. ^5,6Company-reported. Comparison of the four specialty pages' policy checklists as published.

Aon addresses businesses across industries that move raw materials, components, finished goods and appliances by road, rail, sea or air, domestically and internationally. ¹⁰Company-reported. Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state.

Amelia Risk says the policy has two coverages: in-transit and at-location. It says most claims happen during loading and unloading, and describes the combined policy as closing that gap between separate transit and property coverage. ⁴Company-reported. Product page description; the issued policy and its forms control actual terms.

Amelia Risk says the policy values finished product at selling price rather than replacement cost, which it describes as a more favorable valuation basis than a standard property policy. ⁴Company-reported. Product page description; actual valuation terms depend on the policy as issued.

Aon describes cargo insurance for physical loss or damage to goods during transportation and describes goods as protected during loading, unloading, storage and transit. Its listed options include General Cargo, Excess Storage, Stock Throughput and Project Cargo/Marine Delay in Start-Up. These are Aon’s product descriptions, not a guarantee that a buyer’s policy includes every category or peril. ¹⁰Company-reported. Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control.

Amelia Risk's stock-throughput page describes the valuation method but does not publish limits, sublimits or deductibles. ⁴Not publicly disclosed. Stock-throughput product page as read on 2026-09-23.

The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. ¹⁰Not publicly disclosed. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed.

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Aon describes cargo broking, risk consulting, claims management and a global network coordinating local expertise. These are brokerage and advisory services, not the insurer’s claim decision or a guarantee of recovery. ¹⁰Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated.

Amelia Risk says there is no single trigger for buying stock throughput coverage; it advises considering the policy as a company's supply chain grows more complex, and evaluating cost-effectiveness alongside the rest of the insurance program. ⁴Company-reported. Product page guidance on timing of purchase, not a quote or application process description.

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