Marine Cargo Insurance policy can protect you against loss or damage to your cargos.

Institute Cargo Clauses (A):
It covers all risks of loss of or damage to the cargo but excluding willful misconduct of the Assured, ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear, insufficiency or unsuitability of packing or preparation, inherent vice or nature of the cargo, delay, insolvency or financial default of the owners managers charterers or operators of the vessel, use of any weapon of war employing atomic or nuclear fission, unseaworthiness or unfitness of vessel or craft, war and strikes, riots and civil commotions.

Institute Cargo Clauses (B):
It covers loss or damage to the subject matter insured caused by :

fire or explosion
vessel or craft being stranded, grounded, sunk or capsized
overturning or derailment of land conveyance
collision or contact of vessel craft or conveyance with any external object other than water
discharge of cargo at a port of distress
earthquake, volcanic eruption or lightning
general average sacrifice
jettison or washing overboard
entry of sea lake or river water into vessel, craft, hold conveyance, container, liftvan or place of storage
total loss of any package lost overboard or dropped whilst loading on to, or unloading from, vessel or craft

Institute Cargo Clauses (C):
It covers loss or damage to the subject matter insured caused by :

fire or explosion
vessel or craft being stranded, grounded, sunk or capsized
overturning or derailment of land conveyance
collision or contact of vessel craft or conveyance with any external object other than water
discharge of cargo at a port of distress
general average sacrifice
jettison