---
title: "HUB International vs Lockton Cargo and Transit Insurance"
description: "HUB places marine cargo and stock throughput via a marine specialist; Lockton’s Cargo & Logistics team shops warehouse liability, perishables and war risk by inquiry."
canonical: "https://spot.insure/compare/hub-international-vs-lockton/cargo-transit"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# HUB International vs Lockton Cargo and Transit Insurance

HUB places marine cargo and stock throughput via a marine specialist; Lockton’s Cargo & Logistics team shops warehouse liability, perishables and war risk by inquiry.

## Research Scope and Use

Use this comparison to evaluate HUB International 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

HUB’s marine practice describes cargo covering freight by land, sea or air and stock throughput from manufacture through delivery. Lockton lists those areas plus warehouseman’s legal liability, perishable deterioration and war, strikes and terrorism as placeable covers, routed through a contact form rather than a named marine specialist call-to-action. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [8](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics")

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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. [5](https://global.lockton.com/us/en "Lockton United States") [6](https://global.lockton.com/us/en/technology "Technology") [7](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. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.trade.gov/special-documents "Special Documents")

## Key Differences in Cargo and Transit Insurance

### Marine Practice Versus Cargo & Logistics Casualty Team

HUB brokers marine cargo through a dedicated marine practice. Lockton’s Cargo & Logistics team places marine and cargo and sits with auto, general and product liability, umbrella and workers’ compensation under Casualty Insurance Solutions. Both are brokers; HUB’s cargo path is a marine specialist, Lockton’s is a cargo-and-logistics inquiry inside casualty. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [8](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [9](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")

### Throughput and Vessel Markets Versus Extra Placeable Risks

HUB describes cargo covering damage, loss or theft of freight by land, sea or air, plus stock throughput from manufacturing through final delivery, and lists ocean cargo, passenger vessel, port, ship owner, shipyard and supply-chain logistics as markets. Lockton lists 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, not a specimen form. HUB’s reviewed page does not list perishable deterioration or war risk by name. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [8](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics")

### How You Start and Who Writes It

HUB tells you to contact a HUB marine insurance specialist; no online quote is described. Lockton’s Cargo & Logistics page uses a contact form rather than a self-serve bind. Neither names the issuing insurer or publishes per-shipment limits. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [8](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics")

## What to Confirm in Cargo and Transit Insurance Quotes

- Ask HUB whether the placement is marine cargo, stock throughput, or both, and which vessel or terminal exposures apply. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage")
- Ask Lockton whether warehouse legal liability, perishable deterioration and war risk are included. [8](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics")
- Get the issuing carrier from both. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [8](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics")
- Confirm conveyance limits; neither reviewed page publishes them. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [8](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics")

## Offering Details

| Criteria | HUB International Marine Cargo Insurance Brokerage | Lockton Cargo & Logistics Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | HUB brokers marine cargo insurance through a dedicated marine practice rather than underwriting the policy itself. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Marine insurance product page as read 2026-09-23; the page does not name an issuing insurer..) | 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. [8](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [9](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 marine insurance page does not name an issuing insurer for cargo coverage; HUB places marine business with carriers that vary by placement. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Not found in reviewed sources; scope: Checked the marine insurance product page on 2026-09-23; no carrier is disclosed there..) | Neither page names the marine or cargo insurers Lockton places coverage with. The carrier depends on the specific placement. [8](https://global.lockton.com/us/en/products-services/cargo-logistics "Cargo & Logistics") [9](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 | HUB says its marine practice serves ocean cargo, passenger vessel, port and terminal operator, ship owner and operator, shipyard, and supply chain and logistics businesses. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page target-market list; not a published underwriting appetite by cargo type or region..) | Not described in the reviewed sources. |
| Coverage Features | HUB describes marine cargo insurance as covering damage, loss or theft of freight while it is in transit by land, sea or air, and separately offers stock throughput insurance that covers goods from the manufacturing stage through final delivery. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..) | 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. [8](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 | Published per-shipment or per-conveyance limits for HUB-placed cargo coverage were not found on this page. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Not publicly disclosed; scope: Checked the marine insurance product page on 2026-09-23; limits are set on the quote and declarations..) | Not described in the reviewed sources. |
| How to Apply | HUB directs prospects to contact a HUB marine insurance specialist to arrange coverage; no online quote flow is described. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | 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. [8](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

- [HUB International vs Lockton](https://spot.insure/compare/hub-international-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.
- [HUB International vs Lockton Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-lockton/commercial-property)
- [HUB International vs Lockton Crime Insurance](https://spot.insure/compare/hub-international-vs-lockton/crime)
- [HUB International vs Lockton Cyber Insurance](https://spot.insure/compare/hub-international-vs-lockton/cyber)
- [HUB International vs Lockton D&O Insurance](https://spot.insure/compare/hub-international-vs-lockton/directors-officers)
- [HUB International vs Lockton Employee Health Benefits](https://spot.insure/compare/hub-international-vs-lockton/employee-health-benefits)
- [HUB International vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-lockton/employment-practices)
- [HUB International vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-lockton/fiduciary)
- [HUB International vs Lockton General Liability Insurance](https://spot.insure/compare/hub-international-vs-lockton/general-liability)
- [HUB International vs Lockton Product Liability Insurance](https://spot.insure/compare/hub-international-vs-lockton/product-liability)
- [HUB International vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/hub-international-vs-lockton/representations-warranties)
- [HUB International vs Lockton Surety Bonds](https://spot.insure/compare/hub-international-vs-lockton/surety-bonds)
- [HUB International vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-lockton/workers-compensation)
- [Alliance Risk vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/cargo-transit)
- [Alliance Risk vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cargo-transit)
- [Amelia Risk vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/cargo-transit)
- [Amelia Risk vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cargo-transit)
- [Chubb vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-hub-international/cargo-transit)
- [Chubb vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-lockton/cargo-transit)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Marine Cargo Insurance section: protects inventory while in transit, covers damage, loss or theft of freight during transportation by land, sea or air; Stock Throughput Insurance section; Marine Liabilities list; target markets including Ocean Cargo and Supply Chain/Logistics; Contact a HUB marine insurance specialist. Accessed 2026-09-23.

### Lockton

5. [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.
6. [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.
7. [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.
8. [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.
9. [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

10. [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.
11. [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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