Chubb vs Heffernan Insurance Brokers Cargo and Transit Insurance

Chubb underwrites worldwide ocean cargo insurance directly, covering goods shipped internationally as well as transit within a country and at storage locations. ⁴Company-reported. Worldwide Ocean Cargo Insurance product page.

Heffernan runs a specialty marine cargo program for freight forwarders and logistics companies that it says carries in-house underwriting authority and a dedicated claims division with authority to adjust, settle and issue payments directly. That is a broader, program-administrator-style role than ordinary brokerage, and is specific to this cargo program rather than Heffernan's general business insurance brokerage. ⁸Company-reported. Marine Cargo page's 'What Sets Our Programs Apart' section. Does not establish that Heffernan is a licensed carrier or MGA for this program; the exact legal arrangement with its carrier partners was not disclosed.

Not described in the reviewed sources.

Heffernan says its cargo program has 'exclusive access to major insurance carriers' and that its transportation practice is 'appointed with top transportation carriers,' but neither page names a specific issuing insurer. ^8,9Not publicly disclosed. Checked the Marine Cargo and Transportation pages on 2026-09-23. The issuing insurer would appear on the quote and declarations.

Chubb says it serves exporters, importers, manufacturers, logistics companies, and businesses that ship unusual or distinctive products. ⁴Company-reported. Who we serve section.

Heffernan markets its cargo program to freight forwarders, customs brokers, import/export operators and household-goods movers, and describes a global client base of logistics companies, forwarders and brokers. Its separate transportation practice serves trucking and logistics, final-mile delivery, couriers, fuel haulers, towing and moving and storage businesses. ^8,9Company-reported. Marine Cargo and Transportation page descriptions of target clients and subsectors.

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. ⁴Company-reported. Coverage Details list; subject to the policy as issued.

Heffernan's cargo program lists general merchandise logistics, household goods logistics, marine cargo legal liability, errors and omissions, surety bonds and special-projects coverage. Its transportation practice separately lists motor truck cargo and brokerage liability and contingent cargo among its exclusive and sponsored products for trucking and logistics clients. ^8,9Company-reported. Marine Cargo 'Coverage Options' list and Transportation 'exclusive and sponsored products' list; exclusions and policy wording are not published.

The reviewed page does not publish specific coverage limits or deductibles for ocean cargo insurance. ⁴Not 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. ⁴Company-reported. Chubb Risk Consulting Services and Risk Engineering Center sections.

Heffernan describes interactive online tools for remote declaration issuance and claim reporting, plus sales-tracking tools, for its cargo program. Its transportation practice separately lists fleet safety and training, a benchmarking system, medical triage and first aid, and a workers' compensation mod-reduction plan, along with a DOT compliance platform. ^8,9Company-reported. Marine Cargo 'Tools for Cargo Insurance' section and Transportation risk-management and safety-services lists.

For new ocean cargo business, agents submit a Chubb application to the local mailbox where they submit other Chubb business. ⁴Company-reported. FAQ section: "How do agents submit an Ocean Cargo quote?"

Existing cargo policyholders manage shipments and claims through an online portal login; new buyers reach the program through a Request a Quote or Request a Consultation contact route, or by calling the number listed for the cargo claims team. ⁸Company-reported. Marine Cargo page's portal sign-in and consultation-request sections.