Amelia Risk vs Chubb 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.

Chubb underwrites worldwide ocean cargo insurance directly, covering goods shipped internationally as well as transit within a country and at storage locations. ¹¹Company-reported. Worldwide Ocean Cargo Insurance product page.

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.

Not described in the reviewed sources.

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.

Chubb says it serves exporters, importers, manufacturers, logistics companies, and businesses that ship unusual or distinctive products. ¹¹Company-reported. Who we serve section.

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.

Chubb lists coverage for international ocean and air transit, domestic transit within the U.S. and Canada, foreign inland transit including local admitted policies, domestic and foreign warehousing, barge and connecting-conveyance movement, and war, strikes, riots and civil commotion risks. ¹¹Company-reported. Coverage Details list; subject to the policy as issued.

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 publish specific coverage limits or deductibles for ocean cargo insurance. ¹¹Not found in reviewed sources. Worldwide Ocean Cargo Insurance product page as read on 2026-09-23.

Not described in the reviewed sources.

Chubb says its in-house network of nearly 400 risk engineers globally helps companies anticipate and minimize cargo-related exposures, and it operates a Risk Engineering Center for loss-prevention education. ¹¹Company-reported. Chubb Risk Consulting Services and Risk Engineering Center sections.

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.

For new ocean cargo business, agents submit a Chubb application to the local mailbox where they submit other Chubb business. ¹¹Company-reported. FAQ section: "How do agents submit an Ocean Cargo quote?"