Amelia Risk vs Berkshire Hathaway Specialty Insurance: Cargo and Transit Insurance

Berkshire Hathaway Specialty Insurance's ocean cargo guide states up to a $25 million maximum line and a $15,000 minimum premium; Amelia Risk arranges stock throughput across in-transit and at-location inventory.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-10-01

What Are the Key Differences Between Amelia Risk and Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance?

Inventory stages

Amelia describes separate in-transit and at-location stock-throughput components and identifies loading/unloading as a common loss point. BHSI’s U.S. Ocean Marine Cargo guide lists stock throughput, domestic and international transit, excess stock and logistics coverage types. The guide is marked US-12/22-A; confirm that the current form schedules the relevant locations and transit stages. [4] [7]

Business and cargo profile

Amelia identifies CPG and consumer-product clients for stock throughput. BHSI’s December 2022 U.S. appetite guide names manufacturers/distributors of finished goods and food-and-beverage risks among target examples. The scopes overlap at consumer/finished goods, but BHSI’s guide is historical appetite guidance, not a current eligibility decision or policy exclusion list. [2] [7]

What Should You Confirm in Amelia Risk and Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance Quotes?

  • Which insured locations, loading points and transit stages are scheduled under Amelia’s proposal? [4]
  • Does BHSI currently consider this product and commodity mix, and which current form applies? [7]

Amelia describes at-location and in-transit stock-throughput components and names CPG and consumer-product clients. BHSI’s U.S. Ocean Marine catalog lists stock throughput and transit categories, while its December 2022 guide names manufacturers/distributors of finished goods and food-and-beverage risks; that older appetite guidance is not current acceptance or policy wording.

Source material

  1. 01
    Consumer Product Insurance

    Amelia Risk Insurance Brokers · Insurance policies for Consumer Product companies to consider: Cargo / Stock Throughput · accessed 2026-09-23

  2. 02
    Insurance For CPG Companies

    Amelia Risk Insurance Brokers · Insurance policies for CPG companies to consider: Cargo / Stock Throughput · accessed 2026-09-23

  3. 03
    Insurance Policies

    Amelia Risk Insurance Brokers · Policies hub card: Stock Throughput · accessed 2026-09-23

  4. 04
    Stock Throughput

    Amelia Risk Insurance Brokers · What's covered by a Stock Throughput Policy?; in-transit and at-location coverages; loading and unloading gap; selling-price valuation; When should a company buy a Stock Throughput Policy? · accessed 2026-09-23

  5. 05
    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

  6. 06
    Marine

    Berkshire Hathaway Specialty Insurance · Inland and ocean marine product list, covered property classes and target businesses; lines 18-69 · accessed 2026-09-28

  7. 07
    Ocean Marine Cargo Overview

    Berkshire Hathaway Specialty Insurance · Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114 · accessed 2026-09-28

  8. 08
    Commercial Insurance Guide

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

  9. 09
    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

  10. 10
    Special Documents

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

Coverage topics

Amelia Risk

  • role: Amelia Risk arranges stock-throughput coverage, which it describes as protecting inventory "at any point in the supply chain" rather than only while goods are physically moving. Dedicated stock-throughput product page; a brokerage placement, not an insurer-issued policy summary.company-reportedSource ↗
  • coverage: Amelia Risk says the policy has two coverages: in-transit and at-location. It says most claims happen during loading and unloading, and describes the combined policy as closing that gap between separate transit and property coverage. Product page description; the issued policy and its forms control actual terms.company-reportedSource ↗
  • coverage: Amelia Risk says the policy values finished product at selling price rather than replacement cost, which it describes as a more favorable valuation basis than a standard property policy. Product page description; actual valuation terms depend on the policy as issued.company-reportedSource ↗
  • eligibility: Amelia Risk lists cargo/stock throughput as a coverage for its CPG and consumer-product clients specifically; it does not appear in the startup or technology specialty checklists reviewed. Comparison of the four specialty pages' policy checklists as published.company-reportedSource ↗Source ↗
  • insurer: The reviewed pages do not name an insurer for stock-throughput coverage; as a brokerage, Amelia Risk places the policy rather than underwriting it. Stock-throughput product page as read on 2026-09-23.not-disclosedSource ↗
  • limits: Amelia Risk's stock-throughput page describes the valuation method but does not publish limits, sublimits or deductibles. Stock-throughput product page as read on 2026-09-23.not-disclosedSource ↗
  • application: Amelia Risk says there is no single trigger for buying stock throughput coverage; it advises considering the policy as a company's supply chain grows more complex, and evaluating cost-effectiveness alongside the rest of the insurance program. Product page guidance on timing of purchase, not a quote or application process description.company-reportedSource ↗

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI's marine program lists ocean cargo, project cargo and stock-throughput coverage. BHSI U.S. Ocean Marine catalog; not inland transit or proof of the policy territory. Material limitation: Policy territory and transit definitions must be checked; catalog does not itself establish global scope.company-reportedSource ↗
  • eligibility: The marine catalog names importers/exporters, freight/logistics operators and manufacturers among its target customers. BHSI U.S. Ocean Marine target-account list only; not Inland Marine eligibility. Material limitation: Target customer examples do not define every acceptable cargo or shipment.company-reportedSource ↗
  • coverage: BHSI’s marine catalog distinguishes ocean marine and inland marine, and separately lists stock-throughput as an option. US BHSI catalog. Material limitation: Confirm how Spot's shared cargo-transit key maps to these distinctions before coding coverage.company-reportedSource ↗
  • coverage: BHSI’s Ocean Marine Cargo overview lists stock throughput, ocean/international transit, domestic transit, excess stock, logistics, and contingent cargo coverage as coverage types available. BHSI U.S. Ocean Marine Cargo marketing overview marked US-12/22-A; the current marine catalog independently lists Ocean Cargo and Stock Throughputs under Ocean Marine. Material limitation: Not all types are necessarily combined or available for every insured. Domestic transit wording is not a basis to merge this line with the separately listed Inland Marine catalog. Verify current forms, exclusions, territory and issuer.company-reportedSource ↗
  • limits: The BHSI Ocean Marine Cargo guide states up to $25 million maximum line, subject to risk profile, a $15,000 minimum premium, worldwide coverage, and primary or excess positions. U.S. Ocean Marine Cargo/STP marketing guide marked US-12/22-A; $25 million capacity expressly depends on risk profile. Material limitation: The document is dated 2022-12 and says multinational policy ability would follow in 2025; do not treat its worldwide wording or current availability as confirmed. Capacity is not an insured limit, and minimum premium is not a quote. Reconfirm current appetite and issuer.company-reportedSource ↗
  • eligibility: The Ocean Marine Cargo guide describes target risks including manufacturers/distributors of finished goods, machinery and equipment, food and beverage, bulk liquids, containerized goods, and stock with balanced exposure; it lists pharmaceuticals, project cargo, autos, DOL, and livestock as out of appetite. BHSI Ocean Marine Cargo/STP appetite in U.S. marketing material marked US-12/22-A. Material limitation: This is historical appetite guidance, not a policy exclusion list or current acceptance commitment. The current BHSI Marine catalog separately lists Project Cargo as an Ocean Marine product while this 2022 guide lists it out of appetite; current product-specific meaning and appetite must be reconciled with underwriting. It does not establish Inland Marine eligibility.company-reportedSource ↗

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