Consumer Goods & Retail
Personal Effects Cargo Insurance
Specialised cover for {label} shipments — built for the real risks of your trade lane.
Household goods, furniture and personal belongings being shipped internationally need cover that goes beyond mover liability. CIO insures personal effects on a full all-risk basis worldwide.
What's covered
All-risk household cover
Comprehensive protection for the contents of a full household relocation.
Pair and set clause
Cover for the loss of value when one item of a matching set is damaged.
High-value declarations
Itemised cover for art, antiques and collectibles within the shipment.
Risks we protect against
- Damage in handling and unpacking
- Breakage of fragile household items
- Theft, pilferage and non-delivery
- Accidental damage in transit
- Loading and unloading mishaps
- Weather, water and contamination damage
- Fire, explosion and collision
- General Average and salvage charges
Why insure with CIO
- Instant online quote in under 2 minutes
- A+ rated global insurers backing every policy
- All-risk cover on ICC (A) wording where available
- Door-to-door protection across air, sea, road and rail
- Digital certificates issued in real time
- Dedicated claims support — paid in days, not months
Insure your {label} shipment today
Get a tailored quote in minutes — no paperwork, no waiting, full digital certificate on confirmation.