Cargo cover with a firm footing

Norvalis Group writes full-value protection for furniture, food, parts, and building materials from the factory gate to the customer’s dock. One policy stands behind every leg and every carrier, through hurricane season as well.

Packing-station worker folding textiles into a shipping carton

Full-value cargo cover

A carrier’s liability tariff pays by the pound. A sofa that cost $1,800 to build weighs about 120 pounds, so a per-pound cap returns a few dollars and a form letter. Norvalis Group pays the invoice value plus freight and duty, with up to 10% on top for the profit you would have made.

Invoice value plus freight and duty, with up to 10% expected profit, all agreed before the first shipment
Cover attaches when the pallet leaves your floor and stays on through the Port of Savannah, the rail ramp, the cross-dock, and the last truck leg to the store
Wet cartons, crushed corners, a pallet on its side, and a trailer emptied overnight at a truck stop are paid as written, with no small-print carve-outs

What full value pays

Courier carrying parcels along a street lined with cast-iron balconies

Damage, loss, and the weather

Goods fail in ordinary ways. A container of upholstery sits three weeks on a hurricane-closed terminal and comes out mildewed. A crate of alternators arrives two pallets short. A load of Vidalia onions bakes on a hot dock when the reefer plug is missed, and a flatbed of drywall meets an afternoon of rain in an open yard. We write for each of those, by name.

All-risk wording as standard, with a named-perils option when a lower premium is worth more to you than breadth
Hurricane-season storage and port-delay extensions, so cargo held at a closed terminal is still insured cargo
Temperature failure for chilled and frozen food, and concealed damage found on unpacking up to 30 days after delivery

Read the storm and delay wording

Forklift driver moving a pallet while a colleague records the load on a tablet

Claims paid from Savannah

Ninety-three percent of our claims are paid inside 30 days. Our adjusters work from Congress Street and can be at the Garden City terminal the same day, with a signed survey in your hands before the goods lose more value.

Loss line answered 24 hours a day, every day, including the days the port is shut for weather
Adjuster on the dock or at your warehouse within two working days, with photographs and a written report your customer can use
We pay you first and pursue the carrier ourselves; the recovery never sits between you and your money

Walk through a claim

Programs and open covers

Terms that grow with the account

Many clients begin with one annual transit policy. As volume and storage grow, these programs carry the same wording into the warehouse, the shopping cart, the forwarder’s contract, and the flatbed yard.

Forwarder open cover

Blanket cover for freight you book on behalf of others, issued as a certificate per shipment and priced so you can quote it on the same line as the ocean rate.

Warehouse & 3PL custody

Stock in your building or on your yard, whether it belongs to you or a customer, insured while it sits on the rack or waits on the cross-dock for the outbound truck.

Stock throughput

Transit and storage on one policy, from the supplier’s gate to the store shelf. No argument over which insurer answers when a pallet is crushed inside a distribution centre.

Checkout protection

Add protection to the cart on your own store. A lost cushion set or a porch-pirated order is paid by us at retail price, and your support desk stops chasing carrier claims.

Manufacturer annual cover

Inbound components and outbound finished goods on one annual declaration, rated on turnover so nobody has to arrange a policy per truck.

Building materials & oversize

Roof trusses, precast panels, rooftop HVAC units, and structural steel on flatbeds and step-decks. We review tie-downs and escort routing before the load moves. The adjuster has stood on a jobsite in July.

Why Norvalis Group

What stands behind the policy

Underwriters raised on cargo

Norvalis Group started in Stavanger in 2008 among people who insured North Sea supply runs. The underwriter pricing your furniture program has read a survey report and walked a container yard.

Wording written for a storm

When a hurricane closes the Port of Savannah for a week, your policy should already say what happens next. Ours does, in a paragraph you can read aloud.

93% settled in 30 days

Documents come in and the money goes out inside a month, for 93 of every 100 claims. When a file slows, you have the adjuster’s direct line and first name.

One team, one file

The people who quoted your program handle your loss. We do not hand claims to an outside administrator.

12 offices, 90+ trade lanes

Adjusters and surveyors from Savannah to Antwerp who know the terminals, the customs desks, the salvage buyers, and the rail ramps on the lanes your goods use.

Bound to the goods, whatever hauls them

Change parcel carrier or move from LTL to intermodal. Add an air leg for a rush order, swap a forwarder. The cover travels with the shipment.

Show us a month of shipping

Send lanes, modes, commodities, and values, plus any losses you carried yourself. An underwriter replies within two working days with a program and a rate.

Ask for a quote