🚚 Cargo Insurance in Latvia

Insure your cargo — from dispatch to destination

Full protection for goods and shipments against loss, damage and theft throughout transit. Road, sea, air, rail — domestic and international routes. We compare quotes from multiple insurers.

1. Shipment details 2. Confirm

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Domestic & international routes
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Free brokerage service
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Licensed insurance broker
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100% remote — no paperwork
What can be insured?

Coverage for all modes of transport
and routes

A single policy can cover all your shipments — one-off consignments and regular freight — on any route worldwide.

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Road transport

Trucks and rail — domestic routes within Latvia and international shipments across Europe and beyond. Coverage from loading to final delivery at destination.

Truck / Rail
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Sea freight

Container, bulk and Ro-Ro shipments. Protection against maritime risks — accidents, cargo overboard, water damage and theft at ports during transit.

Containers / Bulk
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Air freight

High-value and time-sensitive cargo — electronics, pharmaceuticals, fashion goods. Coverage against damage, theft and delays that could cause significant financial loss.

Airfreight
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Multimodal shipments

Combined transport using multiple modes — truck + sea, or rail + truck. A single policy covers the cargo for the entire journey, regardless of how many carriers are involved.

Combined routes
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Single shipment or annual policy

A single shipment policy covers one consignment. An annual open policy automatically covers all of your regular shipments throughout the year — more convenient and cost-effective for high-volume businesses.

Flexible terms
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Cold chain shipments

Frozen and chilled goods — food, pharmaceuticals, biological materials. Coverage for refrigeration unit failures and resulting cold chain breaks that lead to product spoilage.

Food / Pharma
Who needs cargo insurance?

Essential protection for any business
that ships goods

If your business regularly sends or receives goods, cargo insurance protects you against unexpected financial losses during transit — regardless of who operates the transport.

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Importers & exporters

International trade means greater exposure — long routes, customs procedures and multiple handovers. A cargo policy protects your goods for the entire journey to destination.

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Manufacturers

Raw materials and finished products move between suppliers, factories and customers. Insurance ensures that a disruption in the supply chain does not trigger a financial crisis.

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Wholesale & retail

Large volumes of goods arriving from suppliers and delivered to customers. An annual open policy automatically covers every shipment — no separate policy needed for each consignment.

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E-commerce businesses

Regular shipments of electronics, clothing or other high-value goods. Protection against theft, damage and mishandling during transit — from warehouse to customer's door.

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Logistics companies

Freight forwarders and logistics providers managing other companies' cargo. Cargo insurance alongside a CMR policy provides complete value protection for every consignment handled.

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Pharma & medical

Exceptionally sensitive, high-value goods with strict temperature and handling requirements. Specialised coverage for cold chain and sterile-environment shipments.

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Internationally recognised terms — Institute Cargo Clauses (ICC)

The cargo insurance policies arranged through Agento are based on the internationally recognised Institute Cargo Clauses (ICC) issued by the Institute of London Underwriters. This ensures clear, universally accepted and legally robust coverage terms that are recognised by trade partners worldwide.

Real-world examples

Cargo insurance in practice

See how claims work in real situations — a comparison of outcomes with and without a cargo insurance policy.

−€23,000
With policy — covered Without policy — full loss

Cargo theft in transit

Part of an international shipment of household appliances was stolen overnight from a parking area outside Latvia. The loss totalled €23,000. With a cargo policy in place, the business received full compensation and was able to fulfil its obligations to the client on time.

−€18,500
With policy — covered Without policy — full loss

Electronics damaged by moisture

A container of electronic goods was exposed to moisture during sea transit due to a refrigeration unit failure. Goods worth €18,500 became unusable. Cargo insurance covered the full value of the loss, preventing serious financial consequences for the business.

−€11,200
With policy — covered Without policy — full loss

Truck rollover — cargo destroyed

A road accident caused the truck to overturn, destroying most of the food products being transported. The loss amounted to approximately €11,200. Cargo insurance compensated for the goods as well as additional costs incurred due to rerouting the delivery.

−€9,700
With policy — covered Without policy — full loss

Cold chain break

Frozen goods were spoiled when the refrigeration unit on the truck malfunctioned during a repair stop. Products worth €9,700 had to be disposed of. Cargo insurance covered the full loss, allowing the business to send a replacement shipment without financial strain.

How to get a policy

Simple and fast — everything done remotely

1

Submit your enquiry

Tell us about your transport mode, cargo type, value and contact details — it only takes a few minutes.

2

Receive quotes

We compare offers from multiple insurers and send you the best options to choose from.

3

Choose your policy

Pay for your chosen policy online — no paperwork, no office visits, no hassle.

4

Policy delivered by email

Once payment is confirmed, your policy is sent directly to your inbox. Everything is handled remotely.

Frequently asked questions

Everything you need to know about cargo insurance

Cargo insurance covers losses resulting from destruction, damage, theft or robbery of goods during transit, transhipment or temporary storage. Depending on the selected coverage, it may also include natural perils, fire, explosion, moisture damage and cold chain breaks.
Yes — cargo insurance can be arranged as a single-shipment policy for one consignment, or as an annual open policy that automatically covers all of your regular shipments throughout the year. The annual open policy is more convenient and cost-effective for businesses with high shipment volumes.
Yes. A cargo insurance policy can be arranged with worldwide coverage, applicable to road, sea and air shipments. The geographic scope of coverage is defined in the policy according to your specific routes and requirements.
The premium depends on several factors: type of goods (fragile, foodstuffs, electronics, hazardous materials), total value, mode of transport, route, scope of coverage and the chosen excess. A higher excess generally results in a lower premium.
A CMR policy covers the carrier's civil liability — it is the carrier's obligation towards the cargo owner. Cargo insurance, on the other hand, covers the actual value of the goods and is intended for the cargo owner (the shipper or consignee). Both policies complement each other and together provide complete transit protection.
Yes — even when transport is carried out by an external carrier, the cargo owner remains responsible for the value of their goods. A carrier's CMR liability is capped at SDR rates and may not cover the full value of the cargo. Cargo insurance protects your interests as the owner of the goods.
Yes — our service is completely free. We receive our remuneration directly from the insurers, so you only pay for the policy itself — with no additional fees, charges or hidden commissions.

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