Every shipment, protected.
Specialist insurance for the logistics industry — marine, goods in transit, freight and air cargo, plus credit life cover. We find the right policy at the best rate, then stay in your corner from quote to claim.
from 600+ client reviews
Independent brokers
We work for you
Marine cargo
40ft FCL · ICC (A)
Insured
$480k
Excess
$500
Renews
Mar 14
$3,120/yr saved
vs. last year's renewal
Storm on your route
nowYour broker says: two shipments are rerouting around the Bay of Biscay. You're covered either way.
- specialist insurers & underwriters on our panel
- 20+
- importers, exporters & transporters protected
- 1,200+
- of clients renew with us every year
- 97%
- claims support, wherever your cargo is
- 24/7
Insurance for everything you move.
Specialist cover for marine, goods in transit, freight and air cargo — plus credit life for borrowers and lenders. One broker, every policy, one point of contact.
Specialists in logistics insurance.
We focus on one thing: protecting goods on the move. Reliable cover, personal service and global reach — from a broker that works for you, not for any one insurance company.
20+
Specialist insurers
We place cover only with financially strong insurers and specialist underwriters rated A- or better.
Direct
Direct payment
Claim settlements are paid by the insurer straight to you — no intermediaries holding your money, no unexplained delays.
24/7
Round-the-clock support
Ships sail and trucks roll at all hours. Our claims line is staffed every day of the year, wherever your cargo is.
100%
Independent advice
We aren't owned by any insurer, so we recommend the policy that's right for your cargo — not the one that pays us most.
Your broker, in your pocket.
Policies, certificates, declarations and claims for every insurer — in one app, with a specialist broker who answers. Rated 4.9 by our clients.
Marine open cover · ICC (A)
Declare a shipment
Ningbo → Rotterdam · 40ft FCL
$184,800
Insured value · CIF + 10%
Ship more, pay less per shipment.
Pick a service, a typical cargo value and how often you ship. We'll show how an annual open cover compares with insuring every shipment on its own — no sales call.
Estimated savings with open cover
16% off$538/ year
Ship 52+ times a year to unlock a 20% open-cover discount.
Illustrative estimate based on typical all-risks rates, minimum premiums and open-cover discounts from our insurance partners. Your actual premium depends on your cargo, routes and claims history.
When cargo goes wrong, we’re in your corner.
Your insurer pays the claim — but you shouldn’t have to chase surveyors, carriers and adjusters alone. Your Pensive broker manages every claim from first notice to final settlement.
24/7
claims notification & support
1:1
your own claims handler, start to finish
$0
extra cost for claims help, ever
Claim PI-20418 · Ningbo → Rotterdam
Water ingress · 40ft container
- Mon 9:14
You tell us what happened
One call or message from the port, the warehouse or the roadside.
- Mon 11:40
We appoint a surveyor
An independent surveyor inspects the cargo, usually within 24 hours.
- Wed 2:15
We build the claim file
Invoice, bill of lading, survey report and carrier notice — compiled for you.
- Fri 11:02
Your insurer pays
We check the settlement is fair before you accept.
Paid by insurer
$48,600
Notice to payout
12 days
Don’t take our word for it.
Importers, exporters, forwarders, hauliers and lenders trust Pensive to protect what they move. Here's what a few of them had to say.
4.9
Excellent
600+ verified reviews
“A container of machinery parts arrived seawater-damaged. Our Pensive broker had a surveyor on the quay the next morning, and the claim settled in under three weeks. I didn't have to chase a single person.”
“They moved us onto an annual open cover. Same protection, 18% less than insuring every shipment separately.”
“One of our trucks was hijacked with a full load of electronics. Pensive handled everything with the insurer and we were paid in full.”
“Our vaccines fly cold-chain. Our broker found an insurer that actually understood temperature data loggers — and wrote the cover around them.”
“When my business partner passed away, the credit life policy settled our equipment loan in full. Pensive handled every conversation with the bank.”
“Our buyer's bank needed an insurance certificate for the letter of credit by 5pm. Pensive issued it in minutes.”
“Every interaction feels like they're on our side — because they are. A real broker picks up, even at 2am when a vessel is delayed.”
“At renewal our old insurer raised our fleet rate 22%. Pensive re-marketed it and moved us to a better insurer without us lifting a finger.”
“When general average was declared on our vessel, our broker had the guarantee in place within a day. Our cargo was released without us paying a cent.”
“Pensive put our marine, transit and air cover together across three insurers. One renewal date, one point of contact.”
Questions, answered.
Talk to a specialist broker
Average wait time: under 60 seconds
Instead of selling one company's policies, we take your risk to specialist insurers and underwriters, negotiate terms, recommend the best fit and stay with you after you buy — handling declarations, certificates, renewals and claims.
Cover for your next shipment, in minutes.
Tell us what you're moving and we'll come back with indicative terms from specialist insurers — and keep a broker on your side for good.
- Indicative rates in minutes
- No cost to use our service
- A-rated insurers only