You ship. We protect.

Worldwide marine, transit and storage insurance broker

We tailor cover to your business and stay closely involved at every stage, from placement through to claims.

About Havrico Insurance

Built around the way trade actually works

International trade rarely runs in a straight line. Goods move across borders, modes and jurisdictions; contracts overlap; routes shift with geopolitics and regulation. Havrico Insurance exists to make that complexity manageable. As an independent, specialist broker, we structure cover that fits how your business genuinely operates and duly protect your exposure. We stay close, hands-on and responsive from the first placement to the final claim.

More about Havrico Insurance

What we cover

A tailor-made insurance for each specific risk

Structured to perform in practice, not just on paper.

Marine Transit and Storage Risks

Comprehensive protection for goods in transit and storage for bulk, break bulk and general cargo, aligned to your trade flows and contracts.

Political Violence (WSRCC) & Political Risks (CEND+)

Specific cover for Political Violence such as war, strikes, riots and civil commotion and Political Risks such as confiscation, expropriation, nationalization and deprivation. For goods moving through and/or stored in high-risk regions.

Charterer’s Liability

Protects charterers against liabilities involving the vessel, cargo and third parties.

Logistic Operators’ Liability

Protects logistics operators against contractual, professional and third-party liabilities arising from transport, handling and storage activities.

Claims handling and recovery

Claims handling is central to everything we do. When a loss occurs, the same team that structured your cover manages your claim, from first notification through to final recovery. We prepare and present your claim, coordinate with the parties involved and firmly defend your interests with Underwriters.

How we handle claims

Why Havrico Insurance

Why clients choose Havrico Insurance

In a market where insurance solutions can look similar on paper, how the cover is structured and how claims are handled, make all the difference.

01

Deep technical expertise

Thirty years of specialisation in marine and transport risk, with our own broad policy wordings recognised by Underwriters and banks. We don't just design cover, we know how it performs in a real loss, and structure it to hold up.

02

One point of contact, end to end

No fragmented departments, no handovers. Your dedicated Account Manager fully understands your business, structures your programme and defends your claim.

03

Close, fast and always reachable

We work as an extension of your team: accessible, responsive and decisive. This includes outside office hours, because international trade runs around the clock.

Anyone can place a policy. The test is the claim.

Cover is only ever as good as the claim it pays.That's where we're at our strongest. When a loss happens, we remain closely involved throughout the process, preparing and substantiating the claim, coordinating with surveyors and other parties involved and actively defending your interests with Underwriters. Our aim is to ensure that the inconvenience and disruption of a claim is kept to a minimum.

Sectors we serve

Built for your sector

We work with the businesses that keep international trade moving, and we understand the specific risks each of them carries.

Commodity & goods traders

Cover and claims expertise built around real trade flows, contracts and counterparties — and the wordings that banks and partners expect. (Member of GAFTA & FOSFA.)

Logistics, transport & warehousing

Clear answers to the contractual and operational liabilities of handling, storing and moving goods across complex, multimodal supply chains.

Industrial & manufacturing

Joined-up cover for manufacturers and industrial groups with demanding, cross-border import and export flows.

Emerging markets & complex trade routes

Hands-on support where local insurance is limited or hard to place — including across Africa — and where bank and counterparty acceptance matters.

See the sectors we work with

Trusted in international trade since 1994

Since 1994

More than three decades of specialisation

A-rated capacity

Placed with strong, reliable Underwriters

Our own wordings

Broad, market-recognised policy conditions

Worldwide

Antwerp-based, serving clients globally

Accreditations

Insights & Cases

How it plays out in practice

Real situations, anonymised, showing where risk hides, and how the right structure makes a tangible difference when things don't go to plan.

An unexpected financial exposure on a shipment

A loss in transit created a cost the client had not foreseen. How the structure of the cover responded.

A liability gap revealed in transit

A contract that appeared sound left responsibility in an unexpected place when goods were damaged. How aligning the cover with the contract protected the client.

General Average: sharing the cost of a vessel incident

When a General Average was declared after an incident at sea, every cargo owner faced a share of the cost. How the right cover absorbed an exposure many had not anticipated.

FAQ

Questions we hear a lot

Doesn't the carrier cover my goods?

Only to a limited extent. Carrier liability is capped and full of exclusions, and rarely reflects the real value of your cargo. Proper cargo insurance protects the actual value of your goods — and we'll show you exactly where the gaps are.
How do I know my cover will actually respond?

Because we build it around how your business really operates, using our own market-recognised wordings — and we pressure-test it against real loss scenarios, so there are no surprises when you need it.
What happens if I have a claim?

We're involved from the first notification — preparing your file, coordinating with all parties and defending your position with underwriters until you're properly recovered. You're never left to handle it alone.

Let's talk about your risk

Whether you're entering a new market, reviewing your current cover or facing a claim, we're ready to help.

Start a conversation