Amelia Risk vs Lockton 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.

Lockton's Cargo & Logistics team places marine and cargo coverage for companies that ship goods; it sits alongside auto, general/product liability, umbrella and workers' compensation under Lockton's broader Casualty Insurance Solutions. Lockton is the broker arranging this coverage, not the insurer. ^11,12Company-reported. Cargo & Logistics and Casualty product pages, U.S. site, as read 2026-09-23.

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.

Neither page names the marine or cargo insurers Lockton places coverage with. The carrier depends on the specific placement. ^11,12Not publicly disclosed. Cargo & Logistics and Casualty pages checked 2026-09-23.

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.

Not described in the reviewed sources.

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.

Lockton lists cargo and marine coverage areas it can help place, including cargo in transit, motor truck cargo, warehouseman's legal liability, stock throughput, deterioration of perishable goods, and war, strikes and terrorism risk. This is a capability list, not a specimen policy; actual terms depend on the placing insurer. ¹¹Company-reported. Cargo & Logistics product page as read 2026-09-23. Not a summary of any one policy form.

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.

Not described in the reviewed sources.

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.

Public engagement starts as an inquiry: the Cargo & Logistics page routes buyers to a contact form rather than a self-serve quote or bind flow. ¹¹Company-reported. Cargo & Logistics page as read 2026-09-23. No online quote tool was found for this line.