Berkshire Hathaway Specialty Insurance vs Travelers: How Do They Compare for Cargo and Transit Insurance?

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Travelers underwrites cargo coverage as part of its inland marine line, sold as Cargo Pak or Cargo and Logistics Pak policies. ¹⁰Company-reported. Cargo page product description.

The marine catalog names importers/exporters, freight/logistics operators and manufacturers among its target customers. ⁵Company-reported. BHSI U.S. Ocean Marine target-account list only; not Inland Marine eligibility. Material limitation: Target customer examples do not define every acceptable cargo or shipment.

The Ocean Marine Cargo guide describes target risks including manufacturers/distributors of finished goods, machinery and equipment, food and beverage, bulk liquids, containerized goods, and stock with balanced exposure; it lists pharmaceuticals, project cargo, autos, DOL, and livestock as out of appetite. ⁶Company-reported. BHSI Ocean Marine Cargo/STP appetite in U.S. marketing material marked US-12/22-A. Material limitation: This is historical appetite guidance, not a policy exclusion list or current acceptance commitment. The current BHSI Marine catalog separately lists Project Cargo as an Ocean Marine product while this 2022 guide lists it out of appetite; current product-specific meaning and appetite must be reconciled with underwriting. It does not establish Inland Marine eligibility.

Travelers markets transportation insurance to manufacturers, wholesalers, retailers and distributors, and cargo-and-logistics coverage to motor carriers, freight forwarders, logistics service providers and freight brokers, and warehousemen. ¹⁰Company-reported. Cargo page eligibility lists for each named coverage.

BHSI's marine program lists ocean cargo, project cargo and stock-throughput coverage. ⁵Company-reported. BHSI U.S. Ocean Marine catalog; not inland transit or proof of the policy territory. Material limitation: Policy territory and transit definitions must be checked; catalog does not itself establish global scope.

BHSI’s marine catalog distinguishes ocean marine and inland marine, and separately lists stock-throughput as an option. ⁵Company-reported. US BHSI catalog. Material limitation: Confirm how Spot's shared cargo-transit key maps to these distinctions before coding coverage.

BHSI’s Ocean Marine Cargo overview lists stock throughput, ocean/international transit, domestic transit, excess stock, logistics, and contingent cargo coverage as coverage types available. ⁶Company-reported. BHSI U.S. Ocean Marine Cargo marketing overview marked US-12/22-A; the current marine catalog independently lists Ocean Cargo and Stock Throughputs under Ocean Marine. Material limitation: Not all types are necessarily combined or available for every insured. Domestic transit wording is not a basis to merge this line with the separately listed Inland Marine catalog. Verify current forms, exclusions, territory and issuer.

The transportation policy covers a business's property while in transit on its own vehicles or through a public or contract motor, rail or air carrier, and Travelers says it will keep the business operating while the extent of a carrier's legal liability is determined. ¹⁰Company-reported. Cargo page transportation-insurance description.

Travelers says Cargo Pak and Cargo and Logistics Pak are set up for each operation, because the trucking industry has no standard definition of the services a carrier or logistics provider offers. ¹⁰Company-reported. Cargo page cargo-and-logistics-coverage description.

The BHSI Ocean Marine Cargo guide states up to $25 million maximum line, subject to risk profile, a $15,000 minimum premium, worldwide coverage, and primary or excess positions. ⁶Company-reported. U.S. Ocean Marine Cargo/STP marketing guide marked US-12/22-A; $25 million capacity expressly depends on risk profile. Material limitation: The document is dated 2022-12 and says multinational policy ability would follow in 2025; do not treat its worldwide wording or current availability as confirmed. Capacity is not an insured limit, and minimum premium is not a quote. Reconfirm current appetite and issuer.

The reviewed pages do not publish limits, deductibles or premium ranges for cargo or transportation coverage. ¹⁰Not found in reviewed sources. Cargo and inland marine pages as read on 2026-09-23; amounts would appear on a quote or declarations.

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Travelers says its Inland Marine Network is a loss-mitigation process with dedicated risk-mitigation, claim and special-investigations specialists, backed by more than 600 Risk Control consultants and a Special Investigations Group that pursues recovery for cargo and other specialty losses. ¹⁰Company-reported. Cargo page Inland Marine Network, Risk Control and Special Investigations Group sections.

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Cargo and transportation coverage is bought through a Travelers independent agent, who the site says can tailor coverage to the business's risks. ¹⁰Company-reported. Cargo page "Find an insurance agent" call to action.