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How we structure cover
We design programmes that fit your business; how you trade, the goods you handle, your contractual obligations, and the routes and parties involved. Drawing on our own comprehensive policy wordings, recognised by Underwriters and banks worldwide, we structure cover to perform as intended when it matters most.
What we cover
Our main areas of expertise
We work for the businesses that keep international trade moving, and understand the specific risks each of them carries.
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Marine Transit and Storage Risks
Comprehensive cover for goods in transit and storage, from bulk and break bulk commodities to containerised and general cargo. Cover is structured around your specific trade flows, goods, contracts and Incoterms®, with protection tailored to the risks your cargo faces throughout the journey.
For traders, manufacturers and businesses involved in the shipping and storage of goods.
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Political Violence, Political Risks & War Risks
Specific cover for geopolitical exposures affecting trade. Cover can include war, strikes, riots, civil commotion and looting, as well as political risks such as confiscation, expropriation and other forms of government interference. Depending on the exposure, protection can be incorporated into a broader marine programme or arranged on a standalone basis.
For businesses trading in politically volatile regions, high-risk territories and emerging markets.

Charterers’ Liability
When chartering a vessel, you endorse several liabilities that may have significant financial consequences.
A Charterers’ Liability Insurance may include:
Damage to hull
Damage to third parties
Liability for cargo loss or damage
For commodity traders, trading companies, ship operators and other businesses that charter vessels under voyage, time or other charter arrangements

Logistic Operators’ Liability
Protection for the liabilities arising from your transport and logistics activities. Whether you organise, handle, store or carry goods for others as part of your operations, cover is structured around the contractual, professional and third-party liabilities you may assume.
For freight forwarders, road hauliers, warehouse and logistics operators.
Standard across all cover
What every Havrico Insurance solution includes
Whichever cover you require, the following comes as standard
Our own wordings
Broad policy wordings, recognised and accepted by Underwriters and banks.
One point of contact
A dedicated Account Manager who understands your business end to end, from structuring your programme to defending your claim.
Hands-on claims support
Active support when a loss occurs, with our involvement through to recovery.
A-rated capacity
Placed with strong, reliable Underwriters in Belgium and internationally.
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Not sure where to start?
Tell us what you trade and how you ship it and we'll recommend the cover that fits your operations.