---
title: "Amelia Risk vs Lockton Cargo and Transit Insurance"
description: "Amelia Risk places CPG stock throughput at selling price; Lockton’s cargo team lists motor truck cargo, perishables, war risk and stock throughput as placement capabilities."
canonical: "https://spot.insure/compare/amelia-risk-vs-lockton/cargo-transit"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Amelia Risk vs Lockton Cargo and Transit Insurance

Amelia Risk places CPG stock throughput at selling price; Lockton’s cargo team lists motor truck cargo, perishables, war risk and stock throughput as placement capabilities.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and Lockton 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 inventory. Lockton’s Cargo & Logistics team places marine and cargo cover from a capability list that includes motor truck cargo, warehouseman’s legal liability, stock throughput, perishable deterioration and war, strikes and terrorism. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [11](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [12](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")

## 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 Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. [8](https://global.lockton.com/us/en "Lockton United States") [9](https://global.lockton.com/us/en/technology "Technology") [10](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is Cargo and Transit Insurance?

Cargo and transit insurance addresses loss or damage to goods being transported, subject to the coverage purchased. [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://www.trade.gov/special-documents "Special Documents")

## Key Differences in Cargo and Transit Insurance

### A Named Throughput Form Versus a Capability Menu

Amelia Risk and Lockton both broker this line. Amelia Risk’s dedicated stock-throughput page describes two coverages—in-transit and at-location—and selling-price valuation for finished product. Lockton lists cargo and marine 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, as a capability list rather than a specimen policy. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [11](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics")

### CPG Focus Versus Shippers in Casualty

Amelia Risk lists cargo/stock throughput for CPG and consumer-product clients. Lockton’s Cargo & Logistics team places cover for companies that ship goods and sits alongside auto, general/product liability, umbrella and workers’ compensation under casualty solutions. [5](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [11](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [12](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")

### Purchase Timing Versus a Contact Form

Amelia Risk advises considering stock throughput as the supply chain grows more complex, with no single trigger. Lockton routes buyers to a contact form rather than a self-serve quote. Neither page names the marine insurer or publishes limits. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [11](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics")

## What to Confirm in Cargo and Transit Insurance Quotes

- Ask Amelia Risk how loading and unloading and selling-price valuation are written. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput")
- Ask Lockton which listed capabilities (perishables, war risk, warehouseman’s legal liability) are actually being marketed for you. [11](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics")
- Confirm whether Lockton’s stock-throughput placement uses selling-price valuation as Amelia Risk describes. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [11](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics")
- Get the issuing insurer and limits from both. [4](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [11](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics")

## Offering Details

| Criteria | Amelia Risk Stock Throughput (Cargo) Insurance Brokerage | Lockton Cargo & Logistics 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..) | 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](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [12](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Company-reported; scope: Cargo & Logistics and Casualty product pages, U.S. site, as read 2026-09-23..) |
| 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..) | Neither page names the marine or cargo insurers Lockton places coverage with. The carrier depends on the specific placement. [11](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [12](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Cargo & Logistics and Casualty pages checked 2026-09-23..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | 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. [11](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") (Evidence: Company-reported; scope: Cargo & Logistics product page as read 2026-09-23. Not a summary of any one policy form..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | 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. [11](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") (Evidence: Company-reported; scope: Cargo & Logistics page as read 2026-09-23. No online quote tool was found for this line..) |

## Full Comparison

- [Amelia Risk vs Lockton](https://spot.insure/compare/amelia-risk-vs-lockton): 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 Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber)
- [Amelia Risk vs Lockton D&O Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/directors-officers)
- [Amelia Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices)
- [Amelia Risk vs Lockton General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/general-liability)
- [Amelia Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/product-liability)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/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 Lockton Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/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.

### Lockton

8. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
9. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
10. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
11. [Cargo & Logistics](https://global.lockton.com/us/en/products-services/cargo-logistics). Lockton; Risk management challenges intro; Wide array of experience: list of marine and cargo coverage areas (guaranteed outturn, bailees liability, motor truck cargo, carrier's legal liability, stock throughput, war and strikes risk, and more). Accessed 2026-09-23.
12. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. Accessed 2026-09-23.

### Cargo and Transit Insurance Guide

13. [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.
14. [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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