Marine Cargo Insurance in Florida | Coastal & Interstate Freight Coverage

Marine Cargo Insurance in Florida

From the bustling ports of Miami and Jacksonville to Gulf Coast terminals in Alabama and Texas, cargo moves through the Southeast every day by sea, air, rail, and truck. Each shipment represents a financial investment — one that can be lost in seconds due to rough seas, theft, or weather.

That’s why Marine Cargo Insurance is essential for anyone shipping goods, whether you own a freight-forwarding business, import products from overseas, or move commodities between Gulf ports.

At Barefoot Insurance Brokers, we help companies across Florida, Georgia, Alabama, and Texas protect their shipments with tailored cargo coverage through both domestic and international marine markets.

What Is Marine Cargo Insurance?

Marine Cargo Insurance (also called “Inland and Ocean Cargo Insurance”) protects goods while they’re being transported over land or water — from the moment they leave the warehouse until they reach their final destination.

Unlike carrier liability limits, which are often low and restrictive, marine cargo insurance provides all-risk coverage for your shipment’s full value, covering loss or damage due to:

  • Accidents and collisions
  • Theft or pilferage
  • Fire, explosion, or overturn
  • Water or moisture damage
  • General average (shared maritime losses)
  • Jettison or cargo being thrown overboard for safety
  • Handling or loading/unloading accidents

Whether your goods travel in containers across the Atlantic, by truck from Port Canaveral to Houston, or by air from Miami to Atlanta, Barefoot Insurance Brokers can design a policy that follows your cargo every mile.

Why Florida Businesses Need Cargo Coverage

Florida is one of the nation’s busiest logistics hubs — home to major seaports, airports, and distribution centers serving the entire Southeast. Companies operating in or around the state face unique challenges, including:

  • Tropical weather risks such as hurricanes, flooding, and storm surge
  • High cargo theft rates, especially in South Florida and along I-95 and I-75 corridors
  • Port congestion and handling errors that can lead to accidental loss
  • International shipment exposures due to imports from Latin America and Europe

A single incident can result in cargo loss worth hundreds of thousands of dollars — especially when dealing with electronics, building materials, pharmaceuticals, or perishables.

Marine cargo insurance ensures that when the unexpected happens, your business remains financially protected.

Coverage Options for Domestic & International Shipments

Barefoot Insurance Brokers offers flexible marine cargo solutions for:

Domestic Cargo

Coverage for goods transported by truck, train, or barge within the continental U.S. Ideal for distributors, wholesalers, and contractors moving materials between states like Florida, Georgia, Alabama, and Texas.

Ocean Cargo

Protects international shipments moving by sea. Includes warehouse-to-warehouse coverage from the seller’s facility to the buyer’s destination, addressing exposure throughout the full supply chain.

Air Cargo

For importers and exporters shipping high-value goods by air. Covers damage, theft, or loss during flight and ground handling.

Freight Forwarders & Logistics Providers

Coverage for third-party shippers and freight coordinators who manage cargo on behalf of others. Includes contingent liability and warehouse coverage.

Who Needs Marine Cargo Insurance?

This coverage isn’t just for large shipping companies. It’s vital for any business involved in the movement of goods, including:

  • Importers & Exporters
  • Freight Forwarders & Brokers
  • Manufacturers & Distributors
  • Construction & Marine Contractors
  • Retailers & Wholesalers
  • Marine Artisans & Boatyards transporting parts or materials
  • E-commerce Businesses managing third-party logistics

If your products, materials, or merchandise are exposed to loss while in transit or storage, marine cargo insurance ensures your investment is protected at every stage.

Key Features of a Marine Cargo Policy

Barefoot Insurance Brokers works with top carriers that provide broad, customizable coverage options, such as:

  • All-risk protection for physical loss or damage
  • Warehouse-to-warehouse coverage for end-to-end protection
  • General Average coverage, ensuring you’re reimbursed for your portion of shared maritime losses
  • Debris removal & pollution cleanup
  • Repackaging and forwarding expense coverage after a loss
  • Worldwide territory options, including international imports and exports

Policies can be written per shipment, monthly, or annually, depending on your shipping frequency.

How Much Does Marine Cargo Insurance Cost?

Premiums depend on several factors, including:

  • Value and type of goods transported
  • Shipment frequency and routes
  • Packaging and security procedures
  • Deductibles and coverage limits
  • Mode of transport (air, sea, or land)

Because we work with both admitted and Lloyd’s-based marine markets, Barefoot Insurance Brokers can find the most competitive terms for your specific operation — whether you’re shipping high-value consumer goods or heavy industrial parts.

Meeting Compliance for Gulf and East Coast Ports

Many ports and logistics hubs — including Port Everglades, Port Canaveral, Port of Miami, and Port of Houston — require cargo handlers and warehouse operators to carry proof of marine or freight liability insurance.

Barefoot Insurance Brokers ensures your coverage meets all local and federal requirements and provides fast certificates for port access, contract bids, and carrier partnerships.

Why Choose Barefoot Insurance Brokers for Cargo Coverage

Barefoot Insurance Brokers brings over a decade of experience protecting Florida’s property and commercial clients — extending that same expertise to logistics, marine, and import/export operations.

We offer:

  • Access to global marine cargo markets for U.S. and international shipments
  • Flexible policy terms for single-shipment or annual coverage
  • Certificates and endorsements tailored for port, marina, and customs requirements
  • Dedicated agents familiar with coastal weather and transport exposures
  • Support across Florida, Georgia, Alabama, and Texas for regional shipping networks

Whether you’re sending one container overseas or hundreds of truckloads across state lines, we’ll ensure every shipment is backed by dependable protection.

Get a Marine Cargo Insurance Quote Today

Protect your shipments, reputation, and bottom line with comprehensive marine cargo coverage. Barefoot Insurance Brokers provides the expertise and carrier access your business needs to stay secure on land and sea.

📞 Call Barefoot Insurance Brokers at 954-368-0060 for your marine cargo insurance quote today, or email one of our licensed Florida agents:

Barefoot Insurance Brokers — securing your cargo from port to port.