All types of cargo carried by sea or air including bulk, break bulk, containerised, livestock, reefer and general cargo. Cargo risks covered generally fall under the three main sets of the Institute Cargo Clauses as follows:-

ICC 'C' - provide major casualty coverage during the land, air or sea transit.

ICC 'B' - provide significant additional coverage; wet damage from sea, lake or river water and accidents in loading and discharging, but there is no coverage for theft, shortage and non-delivery.

ICC 'A' - Provide coverage for all risks of loss or damage to the subject matter insured. The words "all risks" should be understood in the context of the "A" clause to cover "fortuitous loss", but not "loss that occurs inevitably."