Sea
Marine cargo
Containers, bulk and break-bulk shipments against loss or damage at sea, in port and during loading.
- Institute Cargo Clauses A, B, C
- War & strikes
- General average
Cargo by sea · road · air — and every line of insurance
Cover for what comes after tomorrow.
Cargo and transport insurance for goods moving by sea, road and air — plus cover for businesses, people and families — explained in plain language, compared across options, and backed by a real person when you need to make a claim.
Plain-language adviceEvery policy explained line by line before you sign.
Options comparedWe look at more than one option so you can choose with confidence.
Claims supportA named contact who stays with you from first call to settlement.
Cargo & transport
Your goods, covered by sea, road and air.
Cargo insurance is at the heart of what we do. We cover goods from the seller's warehouse to the buyer's door, whichever way they travel.
Road
Road freight
Goods moving by truck across Canada, the U.S. and internationally, including theft, collision and overturn.
- Domestic & cross-border
- CMR carrier liability
- Theft & hijack
Air
Air cargo
High-value and time-critical goods by air, from the shipper's premises through to final delivery.
- Institute Cargo Clauses (Air)
- High-value goods
- Perishables
Storage
Goods & warehouse
Stock and goods in storage, in transit between sites, and at trade shows or exhibitions.
- Warehouse stock
- Multimodal transit
- Exhibitions
Warehouse to warehouse. One policy can follow a shipment across ships, trucks and planes, with single-shipment or annual open cover.
For every role in the chain. Importers and exporters, manufacturers, freight forwarders, carriers and customs brokers.
Insure a shipment →All insurance lines
Everything else you need to protect.
Beyond cargo, we arrange cover for businesses, their people and their families, all through one advisor.
Business
- PropertyBuildings, equipment, stock
- General liabilityInjury and damage claims from third parties
- Professional liabilityErrors & omissions, directors & officers
- Cyber protectionData breach, ransomware, business interruption
- Commercial auto & fleetTrucks, vans and company vehicles
- Engineering & constructionContractors' all risks, machinery breakdown
- Business interruptionLost income after an insured loss
People
- LifeTerm and permanent life cover
- Group life & benefitsPlans for employers and associations
- Health & dentalCosts your provincial plan doesn't cover
- Accident & disabilityInjury, disability and medical expenses
- Critical illnessA lump sum on diagnosis
- TravelEmergency medical, cancellation, visitors to Canada
Personal
- Home & tenantYour home and everything in it
- AutoPersonal vehicles and drivers
- ValuablesJewellery, precious metals, collections
- Personal liabilityUmbrella cover above home and auto
How it works
From first question to covered.
No pressure and no jargon. Most people have their options within a few business days.
STEP 1
Tell us what you need
Fill in the short quote form or call us. We'll ask a few questions about you, your family or your business.
STEP 2
Compare your options
We lay out the options side by side — what's covered, what isn't, and what it costs — so the choice is yours.
STEP 3
Get covered, stay supported
We handle the paperwork, then check in at renewal and stand with you if you ever need to claim.
Our group
Part of the Future Sun family.
Future Sun Insurance is a member of the Future Sun group of companies in Canada. Across the group we work on long-term financial security — from protection today to gold-backed savings for tomorrow.
Future Sun InsuranceProtection
GoldCurrency®Gold-backed currency
Future SunParent company
The Future Sun app
Your insurance in your pocket.
See your policies, show your travel insurance card, start a claim with photos and follow it to payment, and message your advisor. One app for phone, tablet and laptop.
- PhoneiPhone: Share → Add to Home Screen. Android: Install app.
- TabletiPad and Android tablets, in portrait or landscape.
- LaptopChrome or Edge: the install icon in the address bar.
Questions
Good to know.
Does a quote cost anything?
No. Quotes are free and there's no obligation to buy. We'll explain each option so you can decide in your own time.
Can you insure a single shipment?
Yes. Marine cargo cover can be arranged for one shipment or as an annual policy for regular importers and exporters.
What is the difference between Institute Cargo Clauses A, B and C?
Clause A is the widest, all-risks cover, subject to listed exclusions. Clauses B and C cover only named events such as fire, sinking, collision and jettison, with C the most limited. We'll explain which fits your goods and route.
What happens when I need to make a claim?
Contact us first. We'll tell you what documents you need, help you file the claim with the insurer and follow it through to the end.
Where do you offer coverage?
Our office is in Ontario, Canada, and we arrange cover for clients and shipments around the world. Tell us where you are in the quote form and we'll confirm what's available to you.