---
title: "Amelia Risk vs HUB International Cargo and Transit Insurance"
description: "Amelia Risk places CPG stock throughput at selling price; HUB brokers marine cargo plus stock throughput through a dedicated marine practice."
canonical: "https://spot.insure/compare/amelia-risk-vs-hub-international/cargo-transit"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Amelia Risk vs HUB International Cargo and Transit Insurance

Amelia Risk places CPG stock throughput at selling price; HUB brokers marine cargo plus stock throughput through a dedicated marine practice.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and HUB International for Cargo and Transit Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Amelia Risk arranges stock-throughput coverage with in-transit and at-location grants and selling-price valuation for CPG clients. HUB’s marine practice brokers cargo covering freight by land, sea or air and separately offers stock throughput from manufacturing through final delivery for ocean cargo, ports and logistics businesses. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage")

## What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [8](https://www.hubinternational.com/about-us/ "About Us") [9](https://www.hubinternational.com/contact-us/ "Contact Us") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Cargo and Transit Insurance?

Cargo and transit insurance addresses loss or damage to goods being transported, subject to the coverage purchased. [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [13](https://www.trade.gov/special-documents "Special Documents")

## Key Differences in Cargo and Transit Insurance

### Two Brokers, Different Stock-Throughput Stories

Amelia Risk and HUB both place cargo rather than underwrite it. Amelia Risk describes stock throughput as two coverages—in-transit and at-location—meant to close the loading and unloading gap, with finished product valued at selling price. HUB describes marine cargo as covering damage, loss or theft of freight while in transit by land, sea or air, and separately offers stock throughput covering goods from the manufacturing stage through final delivery. HUB’s marine page does not state a selling-price valuation rule. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage")

### CPG Checklists Versus Marine Target Markets

Amelia Risk lists cargo/stock throughput on CPG and consumer-product specialty pages. HUB says its marine practice serves ocean cargo, passenger vessel, port and terminal operator, ship owner and operator, shipyard, and supply chain and logistics businesses. [5](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [6](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage")

### Timing Advice Versus a Marine Specialist

Amelia Risk says there is no single trigger for buying stock throughput and advises evaluating it as the supply chain grows more complex. HUB directs prospects to contact a HUB marine insurance specialist; no online quote flow is described. Neither page names the issuing insurer or publishes per-shipment limits. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage")

## What to Confirm in Cargo and Transit Insurance Quotes

- Ask Amelia Risk whether selling-price valuation applies from manufacturing through delivery. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput")
- Ask HUB whether marine cargo and stock throughput are quoted together or as two policies. [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage")
- Confirm if vessel, port or shipyard exposures HUB lists are in Amelia Risk’s CPG throughput placement. [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput")
- Get the carrier and limits from both. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage")

## Offering Details

| Criteria | Amelia Risk Stock Throughput (Cargo) Insurance Brokerage | HUB International Marine Cargo Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | 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. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Company-reported; scope: Dedicated stock-throughput product page; a brokerage placement, not an insurer-issued policy summary..) | HUB brokers marine cargo insurance through a dedicated marine practice rather than underwriting the policy itself. [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Marine insurance product page as read 2026-09-23; the page does not name an issuing insurer..) |
| Issuing Insurer | The reviewed pages do not name an insurer for stock-throughput coverage; as a brokerage, Amelia Risk places the policy rather than underwriting it. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Not publicly disclosed; scope: Stock-throughput product page as read on 2026-09-23..) | The marine insurance page does not name an issuing insurer for cargo coverage; HUB places marine business with carriers that vary by placement. [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Not found in reviewed sources; scope: Checked the marine insurance product page on 2026-09-23; no carrier is disclosed there..) |
| Who It’s For | 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](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [6](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Comparison of the four specialty pages' policy checklists as published..) | HUB says its marine practice serves ocean cargo, passenger vessel, port and terminal operator, ship owner and operator, shipyard, and supply chain and logistics businesses. [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page target-market list; not a published underwriting appetite by cargo type or region..) |
| Coverage Features | 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. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Company-reported; scope: Product page description; the issued policy and its forms control actual terms..)<br><br>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. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Company-reported; scope: Product page description; actual valuation terms depend on the policy as issued..) | HUB describes marine cargo insurance as covering damage, loss or theft of freight while it is in transit by land, sea or air, and separately offers stock throughput insurance that covers goods from the manufacturing stage through final delivery. [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..) |
| Limits and Retentions | Amelia Risk's stock-throughput page describes the valuation method but does not publish limits, sublimits or deductibles. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Not publicly disclosed; scope: Stock-throughput product page as read on 2026-09-23..) | Published per-shipment or per-conveyance limits for HUB-placed cargo coverage were not found on this page. [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Not publicly disclosed; scope: Checked the marine insurance product page on 2026-09-23; limits are set on the quote and declarations..) |
| How to Apply | 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. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") (Evidence: Company-reported; scope: Product page guidance on timing of purchase, not a quote or application process description..) | HUB directs prospects to contact a HUB marine insurance specialist to arrange coverage; no online quote flow is described. [11](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) |

## Full Comparison

- [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Cargo and Transit Insurance?](https://spot.insure/coverage/cargo-transit): Cargo and transit insurance helps protect goods during transport, with coverage that depends on the journey and your responsibility for the shipment.
- [Amelia Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-hub-international/business-owners-policy)
- [Amelia Risk vs HUB International Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/cyber)
- [Amelia Risk vs HUB International D&O Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/directors-officers)
- [Amelia Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/employment-practices)
- [Amelia Risk vs HUB International General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/general-liability)
- [Amelia Risk vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/hired-non-owned-auto)
- [Amelia Risk vs HUB International Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/product-liability)
- [Amelia Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/technology-errors-omissions)
- [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation)
- [Alliance Risk vs Amelia Risk Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/cargo-transit)
- [Alliance Risk vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/cargo-transit)
- [Amelia Risk vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/cargo-transit)
- [Amelia Risk vs Corgi Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/cargo-transit)
- [Amelia Risk vs Coverdash Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-coverdash/cargo-transit)
- [Amelia Risk vs Founder Shield Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/cargo-transit)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
4. [Stock Throughput](https://ameliarisk.com/insurance-policies/stock-throughput/). Amelia Risk Insurance Brokers; What's covered by a Stock Throughput Policy?; in-transit and at-location coverages; loading and unloading gap; selling-price valuation; When should a company buy a Stock Throughput Policy?. Accessed 2026-09-23.
5. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Cargo / Stock Throughput. Accessed 2026-09-23.
6. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Cargo / Stock Throughput. Accessed 2026-09-23.
7. [Insurance Policies](https://ameliarisk.com/insurance-policies/). Amelia Risk Insurance Brokers; Policies hub card: Stock Throughput. Accessed 2026-09-23.

### HUB International

8. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
9. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
11. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Marine Cargo Insurance section: protects inventory while in transit, covers damage, loss or theft of freight during transportation by land, sea or air; Stock Throughput Insurance section; Marine Liabilities list; target markets including Ocean Cargo and Supply Chain/Logistics; Contact a HUB marine insurance specialist. Accessed 2026-09-23.

### Cargo and Transit Insurance Guide

12. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
13. [Special Documents](https://www.trade.gov/special-documents). International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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