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What is “Strike Perils” in marine cargo insurance?

Similar to “War Perils”, insurers exclude “Strike Perils” in Marine Cargo Insurance, and a companion policy to a Marine Cargo Insurance policy will usually be required at a separate premium to cover “Strike Perils”. The companion Strike Risk insurance will cover loss of, or damage to, the insured cargo caused by:

1.1 Strikers, locked-out workers, or persons taking part in labour disturbances, riots or civil commotions
1.2 Any terrorist or any person acting from a political motive


2. General average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice incurred to avoid, or in connection with, the avoidance of loss from a risk covered under these clauses.

“War Perils” and “Strike Perils” are covered by different companion policies to Marine Cargo Insurance as both risks cannot be included in the same set of clauses as the coverage is effective over different durations. The cover of war risk insurance takes effect when insured cargo is loaded onto an oversea vessel and terminates when it is discharged from an oversea vessel at the final port. Whereas strike risk insurance cover starts when the insured cargo leaves the warehouse, continues during the ordinary course of transit, and terminates on delivery to the final warehouse.

Considering the different durations and risk types, cargo owners are advised to take out both war risk and strike risk insurance to ensure comprehensive protection of their shipments.

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