High Limit Cargo Insurance

High Limit Cargo Insurance — TCB Insurance Programs

TCB Insurance Programs provides flexible wholesale placement for High Limit Cargo Insurance aimed at agents and brokers who need large-limit capacity, customizable terms, and fast turnaround. Our facilities support multiple placement structures with limits to $10,000,000, including excess layers over primary carriers when those markets cannot provide the capacity your insureds require.

Program Options

• Primary basis — annual
• Excess basis — annual
• Excess basis — short-term
• Excess basis — per-trip

Ideal Accounts and Target Classes

This program fits accounts that need high single-shipment or aggregate limits and flexible placement terms. Typical targets include:

• Importers and exporters of high-value goods (electronics, machinery, pharmaceuticals)
• Freight forwarders, NVOCCs, and 3PLs with high exposure or contractual limits
• Shippers needing excess placements over an existing primary policy
• Specialty cargo movements (fine art, high-value consignments, project cargo) that require per-trip or short-term coverage

Coverage Highlights and Advantages

• Limits up to $10,000,000 to meet high-limit needs
• Multiple placement formats — annual primary, annual excess, short-term excess, and per-trip excess
• Capacity to follow or sit excess to other carriers when their limits are insufficient
• Wholesale broker access and underwriting flexibility for complex or oversized shipments

Underwriting Notes and Typical Submission Requirements

Underwriting is risk-specific; earlier submissions with clear details speed turnaround. Typical requirements include:

• Loss history and recent claims activity
• Schedule of shipments or annualized values
• Description of goods, transit routes, and packaging/handling
• Primary policy wording and limits if placing excess

Minimum premiums and final terms vary by commodity, transit type, and placement structure.

Territories and Admitted Status

This program is offered on a non-admitted / surplus lines basis (no admitted filings). It is available in the following jurisdictions:

AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY

When to Consider This Program — Example Scenarios

• You represent an importer of high-end electronics whose primary carrier provides $2 million per occurrence but the client needs $7 million for ocean shipments — place excess limits to reach required capacity.
• You have a gallery shipping fine art for a one-time international exhibition — secure per-trip excess coverage with high declared values and tailored transit wording.

Why Place High Limit Cargo with TCB Insurance Programs

As a wholesale broker, TCB Insurance Programs specializes in high-limit, flexible solutions where standard markets may lack capacity. Our strengths include fast access to multiple markets, the ability to structure excess and short-term placements, and underwriting that understands complex cargo exposures.

For more information about our High Limit Cargo Insurance program visit our website www.tcbinspro.com.