Coverdash vs Lockton Cargo and Transit Insurance

Coverdash arranges motor truck cargo and ocean marine coverage as a broker, matching applicants to quotes from multiple insurers rather than underwriting a single in-house cargo product. ^4,5Company-reported. Both product pages; describes the brokerage model, not a specific insurer's cargo product.

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. ^9,10Company-reported. Cargo & Logistics and Casualty product pages, U.S. site, as read 2026-09-23.

Neither the motor truck cargo page nor the ocean marine page names the insurer that would issue a specific policy; both describe comparing quotes from Coverdash's panel of insurers instead. ^4,5Not publicly disclosed. Pages checked 2026-09-23; the issuing carrier for a specific quote is not disclosed on either page.

Neither page names the marine or cargo insurers Lockton places coverage with. The carrier depends on the specific placement. ^9,10Not publicly disclosed. Cargo & Logistics and Casualty pages checked 2026-09-23.

Coverdash markets motor truck cargo coverage to for-hire truckers, owner-operators and fleets that haul other people's goods, and says brokers and shippers usually require proof of this coverage before giving a business loads. ⁴Company-reported. Motor truck cargo Who it's for section and FAQ; illustrative audience, not an exhaustive eligibility list.

Coverdash markets ocean marine coverage to importers, exporters, freight forwarders and other businesses that move goods internationally by sea. ⁵Company-reported. Ocean marine Who it's for section; illustrative audience, not an exhaustive eligibility list.

Not described in the reviewed sources.

Motor truck cargo coverage includes damage to freight in transit, theft while the freight is in the hauler's care, loss during loading and unloading, and debris removal after a covered loss. ⁴Company-reported. Types of Coverage section on the motor truck cargo page; subject to exclusions and terms in the policy as issued.

Coverdash's motor truck cargo FAQ says certain commodities, such as alcohol, tobacco or live animals, are often excluded or need special endorsements, and tells applicants to confirm the policy covers what they actually haul. ⁴Company-reported. FAQ answer on exclusions; specific excluded commodities depend on the policy as issued.

Ocean marine coverage includes cargo loss or damage in transit by water, hull damage to the vessel itself, loss of freight charges when a shipment is lost, and third-party marine liability. ⁵Company-reported. Types of Coverage section on the ocean marine page; subject to exclusions and terms in 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. ⁹Company-reported. Cargo & Logistics product page as read 2026-09-23. Not a summary of any one policy form.

Coverdash's motor truck cargo FAQ cites $100,000 as a common cargo limit but says high-value freight may need more. The ocean marine page publishes no limit figures and instead describes an open cargo policy that automatically covers a business's shipments over a period rather than insuring each one individually. ^4,5Company-reported. FAQ answers checked 2026-09-23; illustrative common limit for cargo only, not a published limit schedule for either line.

Not described in the reviewed sources.

You request a cargo or ocean marine quote through Coverdash's online form. Coverdash says coverage can be quoted, bought and managed digitally, with a dedicated advisor from the first quote through renewal. ^4,5Company-reported. Why work with Coverdash and Get a quote call to action on both pages; quote speed and advisor availability are company-reported and not independently tested.

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. ⁹Company-reported. Cargo & Logistics page as read 2026-09-23. No online quote tool was found for this line.