Ocean Cargo Insurance Guide: Explore Optimized Cargo Claim Path with Your China Wholly-owned Subsidiary

海运货物保险指南：携手中国全资子公司，探索优化的货物索赔路径

Ocean Cargo Insurance Guide: Explore Optimized Cargo Claim Path with Your China Wholly-owned Subsidiary

在中国设立全资子公司的外国投资者，不仅在本地采购和企业运营方面能获得潜在优势，在国际运输的货物风险管理方面同样如此。

Foreign investors setting up a wholly-owned subsidiary in China can unlock potential advantages not only for local procurement and corporate operation, but also for cargo risk management in international shipments.

在传统安排下，海运货物保险的投保人通常是中国工厂。货物发生灭失或损坏时，保险赔款会先支付给工厂，境外买家再等待工厂转付资金，这会造成较长的理赔周期并可能引发纠纷。

Under the traditional arrangement, the Chinese factory is usually the insured party for ocean cargo insurance. In the event of cargo loss or damage, insurance compensation will first be paid to the factory. The overseas buyer then waits for the factory to transfer the funds, which creates a longer claim cycle and potential disputes.

如果您已在中国设立全资子公司，在通过保险利益审核和贸易条款（Incoterms）匹配的前提下，该子公司可以被列为海运货物保险单的投保人。

If you have established a wholly-owned subsidiary in China, the subsidiary can be named as the insured on the ocean cargo insurance policy, subject to insurance interest assessment and Incoterms matching.

当货物在运输途中发生风险时，保险赔款可以直接支付给您的中国子公司，省去资金经由工厂转付的中间环节。这简化了理赔流程，并降低了资金交接延迟引发的纠纷。

When cargo risks occur during transit, the insurance indemnity can be paid directly to your China subsidiary, eliminating the potential intermediate step of fund transfer via the factory. This streamlines the claim settlement process and mitigates disputes arising from delayed fund handover.

✅ 完整流程

✅ Full Workflow

1. 确认贸易术语（Incoterms），并核实您的中国全资子公司对货物持有有效的保险利益。

1. Confirm trade Incoterms and verify that your China wholly-owned subsidiary holds valid insurable interest over the goods.

2. 安排海运货物保险，将您的中国子公司列为投保人（以保险公司审核为准）。

2. Arrange the ocean cargo insurance policy and name your China subsidiary as the insured party, subject to insurer review.

3. 货物发运。若在海运途中发生灭失或损坏，收集理赔佐证材料。

3. Cargo shipment departs. If loss or damage happens during ocean transit, collect supporting evidence for the claim.

4. 向保险公司提交理赔文件。获批后，赔款将直接支付给您的中国子公司。

4. Submit claim documents to the insurer. Once approved, the compensation will be issued directly to your China subsidiary.

✅ 我们支持的内容

✅ What we support

我们帮助您评估公司架构和贸易条款是否符合此项保险安排的条件。我们提供双语文件指导，并为您的中国主体讲解完整的货运保险理赔流程。

We help you assess whether your corporate structure and trade terms qualify for this insurance arrangement. We provide bilingual document guidance and explain the whole cargo insurance claim flow for your China entity.

我们还可以为您讲解，在中国设立 FDI 公司后，这一保险结构如何与您的整体风险管理策略相衔接。

We can also walk you through how this insurance structure ties into your overall risk management strategy after setting up a FDI company in China.

✅ 关键合规提示

✅ Key Compliance Notes

– 将中国子公司列为投保人，须以保险公司对保险利益和贸易条款的审核为前提，不保证获批。

– Naming your China subsidiary as insured is subject to the insurer’s review of insurable interest and trade terms. Approval is not guaranteed.

– 我们仅提供架构咨询和流程指导。我们不是保险经纪，不承保也不销售海运货物保险保单。

– We only provide structural consultation and process guidance. We are not an insurance broker and do not underwrite or sell ocean cargo insurance policies.

– 该结构优化的是赔款支付路径，并不能免除货物理赔审核程序，也不保证快速结案。

– This structure optimizes the indemnity payment route. It does not eliminate cargo claim review procedures or guarantee fast claim settlement.

如果您想在设立中国公司后规划货物运输风险，欢迎私信我们讨论您的物流与保险需求。

If you want to explore cargo risk planning after establishing your China company, DM us to discuss your logistics and insurance needs.

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