AIG vs Hub International: Cargo and Transit Insurance

AIG markets ocean cargo, with claims support; HUB International brokers marine cargo through a dedicated marine practice, reached by contacting a specialist, and offers stock throughput from manufacturing to final delivery.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

What Are the Key Differences Between AIG and HUB International Cargo and Transit Insurance?

Shipment Cover and Stock Throughput

AIG lists general, bulk/break-bulk, and project cargo across land and sea, with stock-throughput as one possible structure. HUB International explains stock-throughput as protecting goods from manufacture through final delivery, alongside cover for freight damaged, lost, or stolen during land, sea, or air transit. A manufacturer with inventory sitting between production and shipment should ask which stops are insured under each proposal. [1] [4]

Marine Risk Services

AIG names route, conveyance, packaging, and security consultations plus marine loss-control engineering. HUB International serves ocean cargo, ports, terminals, ship operators, shipyards, and supply-chain businesses through a dedicated marine practice. Confirm whether a specialist will assess your route and who can adjust a claim; HUB’s public process starts with a marine specialist rather than an online quote. [1] [4]

What Should You Confirm in AIG and HUB International Cargo and Transit Insurance Quotes?

  • Ask HUB which storage stages its stock-throughput proposal includes and AIG how the listed cargo structure covers inventory before dispatch. [1] [4]
  • Ask both providers to map each leg by road, sea, and air, including loading and storage. [1] [4]
  • Identify the insurer and the marine claims contact before the first shipment. [1] [4]

Coverage topics

AIG

  • role: AIG markets Ocean Cargo insurance and related global/captive solutions. The page does not name the issuing subsidiary for a particular buyer’s policy. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
  • eligibility: AIG names importers, exporters, manufacturers, wholesalers, and distributors with international transit exposures, including containerized general cargo, bulk/break-bulk and project cargo. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
  • coverage: AIG describes protection for goods moved across land, sea or international borders and lists general cargo, bulk/break-bulk and project cargo. It also lists stock-throughput, captive/fronting and logistics package structures; those examples do not settle any buyer’s policy scope. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
  • services: AIG lists route, conveyance, packaging and security consultations, marine loss-control engineering, and claims support. Its Marine Claims Promise is conditional on confirmed coverage and applies to specified expense categories and agreed loss estimates. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
  • limits: The page advertises $50 million transit capacity and $50 million storage/warehouse capacity, with natural-catastrophe sublimits stated as $10 million per occurrence and annual aggregate. These are advertised capacity figures, not an individual quote or policy limit. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

HUB International

  • role: HUB brokers marine cargo insurance through a dedicated marine practice rather than underwriting the policy itself. Marine insurance product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: 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. Product-page coverage description; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • eligibility: 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. Product-page target-market list; not a published underwriting appetite by cargo type or region.company-reportedSource ↗
  • insurer: The marine insurance page does not name an issuing insurer for cargo coverage; HUB places marine business with carriers that vary by placement. Checked the marine insurance product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • limits: Published per-shipment or per-conveyance limits for HUB-placed cargo coverage were not found on this page. Checked the marine insurance product page on 2026-09-23; limits are set on the quote and declarations.not-disclosedSource ↗
  • application: HUB directs prospects to contact a HUB marine insurance specialist to arrange coverage; no online quote flow is described. Product-page call to action as read 2026-09-23.company-reportedSource ↗

AIG describes land, sea, and international cargo plus route and security services. HUB International separates transit cargo cover from stock-throughput protection spanning manufacturing to final delivery.

Source material

  1. 01
    Ocean Cargo Insurance

    AIG · Official AIG Ocean Cargo page, lines 242–285: target classes, cargo types, program structures, stated capacity, route consultation, claims promise and policy caveat. · accessed 2026-09-30

  2. 02
    Motor Truck Cargo Legal Liability Coverage

    American Association of Insurance Services, Inc.; hosted by National Unity · Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13 · accessed 2026-09-16

  3. 03
    Commercial Insurance Guide

    California Department of Insurance · Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent · accessed 2026-09-16

  4. 04
    Marine Insurance Broker Policy & Coverage

    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

  5. 05
    Shipping Options

    International Trade Administration, U.S. Department of Commerce · Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders · accessed 2026-09-16

  6. 06
    Special Documents

    International Trade Administration, U.S. Department of Commerce · Insurance Certificate bullet · accessed 2026-09-16

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