Dangerous / Hazardous Goods Cargo Insurance

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Specialist cargo insurance for ADR, IMDG, IATA and other regulated dangerous goods - covering chemical, flammable, corrosive, toxic, explosive and environmentally hazardous cargo in transit.

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GET A QUOTE NOW

We compare quotes from specialist cargo insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

COVER FOR REGULATED & HIGHER-HAZARD CARGO

Specialist Insurance for Dangerous Goods in Transit

Dangerous goods cargo is subject to strict regulation and often higher loss severity. Whether you move chemicals, flammables, gases, corrosives or environmentally hazardous substances, you need cargo insurance that reflects both the value of the goods and the elevated risk profile - backed by underwriters experienced in hazardous freight.

What Does Hazardous Goods Cargo Insurance Cover?

Policies are tailored to your DG classes, packaging, routes and transport modes.


  • Physical loss or damage to dangerous goods in transit
  • All-risks or named-perils cover options (subject to acceptance)
  • Cover during loading, unloading and transfer between modes
  • Storage at depots, terminals and bonded warehouses (by agreement)
  • Theft, pilferage and non-delivery (where covered)
  • General Average and salvage charges contributions

  • Road, sea, air and multimodal DG movements
  • Tank containers, IBCs, drums, cylinders and packaged goods
  • High-value or specialist hazardous cargo (subject to terms)
  • Optional war, strikes, riots and civil commotion extensions
  • Worldwide territorial limits (with specific exclusions as required)
  • Single shipments or annual open cargo programmes

Who Is Dangerous / Hazardous Goods Cargo Insurance For?

Designed for shippers, logistics providers and traders handling regulated dangerous goods.

Typical DG Classes Insured


  • Flammable liquids, gases and solids
  • Oxidising agents and organic peroxides
  • Corrosive substances and acids
  • Toxic and infectious substances
  • Environmentally hazardous liquids and solids
  • Batteries and other regulated dangerous goods

Types of Business Covered


  • Chemical manufacturers and distributors
  • Industrial and process plants shipping DGs
  • Specialist DG freight forwarders and 3PLs
  • Tank container operators and bulk transporters
  • Importers, exporters and trading houses

Risk Management & Compliance Considerations

Insurers expect strong controls when writing hazardous goods cargo - we help you present your risk well.


  • ADR, IMDG, IATA and local regulation compliance
  • Approved packaging, labelling and documentation
  • Route planning and carrier selection controls
  • Emergency response and spill procedures

  • Segregation of incompatible cargoes
  • Secure storage and transfer locations
  • Driver and staff training records
  • Incident & near-miss reporting processes

Why Arrange Hazardous Goods Cargo Insurance with Insure24?


  • Access to underwriters experienced in dangerous goods
  • Ability to structure cover around complex DG portfolios
  • Support with submissions, wording and risk presentation
  • Claims support for serious incidents and environmental events

FREQUENTLY ASKED QUESTIONS

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Do all insurers cover dangerous goods cargo?

No - many standard cargo insurers restrict or exclude certain dangerous goods. Specialist markets are often required, and cover is usually subject to strict underwriting information and risk controls.

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Will my DG cargo always qualify for all-risks cover?

Not always. Some hazardous goods may only be insurable on a named-perils basis or with specific exclusions. The exact cover available depends on the class, packaging, routes and loss history.

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Do I need to show ADR / IMDG / IATA compliance?

Yes - insurers will expect evidence that your operations comply with relevant dangerous goods regulations, including appropriate training, documentation, packaging and labelling standards.

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Can I include hazardous and non-hazardous cargo on one policy?

Often yes - many cargo programmes insure a mix of DG and non-DG cargo, sometimes with different conditions or rates applied to each category.

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What information do insurers need to quote?

Typically: full details of DG classes, packaging types, annual values, major routes and territories, carriers used, incident history and details of your risk management and compliance procedures.

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