from 0.08% | ICC A/B/C | eSanad
Marine Cargo Insurance UAE 2026
The UAE handled over 15 million TEUs via Jebel Ali & Khalifa Port in 2025. eSanad compares 35+ cargo underwriters — ICC A, ICC B, ICC C — with open covers, single shipments, stock throughput, and project cargo.
35+
Insurance Partners
1.5 M+
Trusted Customers
1.5 M+
Policies Sold
Proposal Details
JAFZA
·
Khalifa Port
·
DP World
·
ICC A/B/C wordings
·
Open cover
·
War + Strikes
·
48-hour binder
2026 Cargo Rate Guidance
Estimated market rates based on CIF value. Actual premiums may vary based on loss history and specific route.
| Commodity | Typical Rate (% of CIF) | Notes |
|---|---|---|
| General FMCG | 0.08 – 0.12% | ICC A |
| Steel, cement, bulk | 0.04 – 0.07% | ICC B or C |
| Electronics, phones | 0.12 – 0.18% | High theft |
| Pharmaceuticals (cold chain) | 0.15 – 0.30% | Temperature cover |
| Automobiles (RoRo) | 0.10 – 0.20% | Named perils |
| Fine art / antiques | 0.30 – 0.80% | Specialist |
| Jewellery, precious metals | 0.40 – 1.20% | Specie |
| Project cargo / machinery | 0.15 – 0.40% | Survey required |
| Perishables (food) | 0.20 – 0.40% | 10/10/20 clause |
| Dangerous goods (IMDG) | 0.25 – 0.60% | Restricted ports |
ICC A vs B vs C — Institute Cargo Clauses 2009
Choose the right clause based on your cargo type and risk appetite.
ICC (A)
High-value, sensitive cargo
Broadest cover — protects against all physical loss or damage unless specifically excluded.
Accidental damage
Theft and pilferage
Water damage & washing overboard
Heavy weather damage
ICC (B)
Bulk commodities (Steel, Cement)
Mid-tier cover — protects against major accidents plus some minor perils.
Major casualties (Sinking/Fire)
Collision and Overturning
Discharge at port of distress
Earthquake / Volcanic eruption
ICC (C)
Low-value, non-fragile bulk
Basic cover — only covers major total loss casualties.
Fire or Explosion
Vessel grounded or sunk
General Average contribution
Jettison (throwing cargo overboard)
Standard Add-Ons
War Clause
War risk on the overseas voyage. Add-on — mandatory on certain routes (Red Sea, Gulf of Aden).
Strikes Clause (SRCC)
Strikes, riots, civil commotion. Standard add-on for most UAE trade lanes.
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