CNA vs Lockton: Cargo and Transit Insurance

Lockton is the broker placing cargo in transit, motor truck cargo and stock throughput through a contact form; CNA describes ocean cargo with options for incidental storage and exhibition or consignment.

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

What Are the Key Differences Between CNA and Lockton Cargo and Transit Insurance?

Range of placements versus listed options

Lockton’s Cargo & Logistics team can place cargo in transit, motor-truck cargo, warehouse legal liability, stock throughput, perishable-goods deterioration, and war, strikes, or terrorism risks. CNA Ocean Cargo lists domestic and foreign transit, incidental storage, and exhibition or consignment options. Since Lockton’s list is a broker capability menu, ask which insurer and policy form would actually address the risks on your shipment. [6] [3]

Engagement and servicing

Lockton starts with an inquiry form and does not describe a self-serve quote or bind flow. CNA describes CNACargo.com for policy management and certificates, plus cargo claims specialists worldwide. Ask Lockton how it will obtain and service a quote for your route; ask CNA whether your agent and policyholder roles have access to the portal and claims contacts. [6] [3]

What Should You Confirm in CNA and Lockton Cargo and Transit Insurance Quotes?

  • Which Lockton market and form cover the needed transit, warehouse, or stock-throughput exposures? [3] [6]
  • Who can use CNA’s portal, and how are certificates and worldwide cargo claims handled? [3] [6]

Coverage topics

CNA

  • coverage: CNA Ocean Cargo describes insured goods moving from inland origin through final inland destination, including water/air and connecting transit. Entity: CNA brand; underwriting company varies Product: Ocean Cargo Jurisdiction: United States Research source scope: U.S.-marketed ocean cargo policy and related transit; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Ocean Cargo sheet issue 202411 / ©2024; it is a marketing summary. Worldwide portal/claims descriptions do not establish worldwide territorial coverage.company-reportedSource ↗
  • coverage: CNA lists cargo options for domestic/foreign transit, incidental storage, exhibition/consignment and related extensions. Entity: CNA brand; underwriting company varies Product: Ocean Cargo Jurisdiction: United States Research source scope: U.S.-marketed ocean cargo policy and related transit; issuer/state terms vary Claim limitation: Options and applicability depend on terms and selection. Source/date qualification: Ocean Cargo sheet issue 202411 / ©2024; it is a marketing summary. Worldwide portal/claims descriptions do not establish worldwide territorial coverage.company-reportedSource ↗
  • services: CNA describes CNACargo.com for agents and Ocean Cargo policyholders to manage policies, issue certificates and locate claims-settling agents; dedicated cargo claims specialists handle claims worldwide. Entity: CNA brand; underwriting company varies Product: Ocean Cargo application and claims services Jurisdiction: United States Research source scope: U.S.-marketed ocean cargo policy and related transit; issuer/state terms vary Claim limitation: Company-reported digital/service description; availability/contract terms vary. Source/date qualification: Ocean Cargo sheet issue 202411 / ©2024; it is a marketing summary. Worldwide portal/claims descriptions do not establish worldwide territorial coverage.company-reportedSource ↗

Lockton

  • role: Lockton's Cargo & Logistics team places marine and cargo coverage for companies that ship goods; it sits alongside auto, general/product liability, umbrella and workers' compensation under Lockton's broader Casualty Insurance Solutions. Lockton is the broker arranging this coverage, not the insurer. Cargo & Logistics and Casualty product pages, U.S. site, as read 2026-09-23.company-reportedSource ↗Source ↗
  • coverage: Lockton lists cargo and marine coverage areas it can help place, including cargo in transit, motor truck cargo, warehouseman's legal liability, stock throughput, deterioration of perishable goods, and war, strikes and terrorism risk. This is a capability list, not a specimen policy; actual terms depend on the placing insurer. Cargo & Logistics product page as read 2026-09-23. Not a summary of any one policy form.company-reportedSource ↗
  • insurer: Neither page names the marine or cargo insurers Lockton places coverage with. The carrier depends on the specific placement. Cargo & Logistics and Casualty pages checked 2026-09-23.not-disclosedSource ↗Source ↗
  • application: Public engagement starts as an inquiry: the Cargo & Logistics page routes buyers to a contact form rather than a self-serve quote or bind flow. Cargo & Logistics page as read 2026-09-23. No online quote tool was found for this line.company-reportedSource ↗

Lockton’s broker lists cargo transit, motor-truck, warehouse liability, stock throughput, perishables, and war/strikes; CNA lists domestic/foreign transit and storage extensions.

Source material

  1. 01
    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

  2. 02
    Commercial Insurance Guide

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

  3. 03
    Ocean Cargo | CNA

    CNA · pp. 1–2: transit scope, extensions, agent/insured portal and cargo claims specialists · accessed 2026-09-28

  4. 04
    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

  5. 05
    Special Documents

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

  6. 06
    Cargo & Logistics

    Lockton · Risk management challenges intro; Wide array of experience: list of marine and cargo coverage areas (guaranteed outturn, bailees liability, motor truck cargo, carrier's legal liability, stock throughput, war and strikes risk, and more) · accessed 2026-09-23

  7. 07
    Casualty Insurance

    Lockton · Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph · accessed 2026-09-23

Share your transportation and logistics needs with Embarcadero Risk to discuss next steps.

Contact Embarcadero Risk