Slow, contested claims
Cargo losses too often resolve into months of correspondence, surveys, and reconstructed timelines. Underwriters carry the loss-adjustment cost; insureds carry the cash-flow cost.
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Insurance & Risk
Cryptographic evidence for cargo claims and parametric cover.
Marine cargo underwriters and risk managers need answers, not arguments. Journey Protector turns the sensor record into legally defensible evidence that resolves claims, supports parametric triggers, and informs better pricing.
The Problem
Where today's chain of custody breaks down
Insufficient evidence for subrogation
Recovering from the responsible carrier or terminal operator depends on demonstrable evidence of where and when the loss occurred. Without that, subrogation rates suffer.
Static pricing on dynamic risk
Premiums are typically set on historical loss experience. Real-time route, condition, and handling data enables risk-based pricing and parametric structures that better match the underlying exposure.
Fraudulent or inflated claims
Without an independent record of conditions during transit, insurers depend on the claimant's narrative. Verified sensor evidence introduces a neutral third leg.
The Platform
A verifiable, signed record that travels with the cargo.
Evidence designed for adjudication
Sensor data is signed at source with Ed25519, hashed into an append-only chain, and optionally anchored on a public ledger. Tampering is mathematically detectable.
Parametric trigger support
Continuous threshold monitoring with hardware-signed records enables parametric structures with auditable triggers, settling claims in hours rather than months.
Portfolio risk visibility
Risk managers see lane-by-lane risk scores across the portfolio, not just outcomes after the fact.
Cleaner subrogation
Time-stamped, geo-located evidence of when conditions changed and which carrier had custody at that moment.
Compliance
Built around the frameworks that matter
Every framework below is a real standard or regulation. Journey Protector's evidence chain is designed to feed each one with the data it actually requires, not just the data that's easy to collect.
Institute Cargo Clauses A/B/CLloyd's standard marine cargo coverGlobal underwriting
ICC IncotermsInternational Commercial TermsGlobal trade
IUMI guidelinesInternational Union of Marine InsuranceGlobal marine market
Lloyd's StandardsUnderwriter conduct and reporting requirementsLondon market
In Practice
Where this gets deployed
High-value marine cargo cover
Continuous evidence packaged for the insurer alongside the policy. Faster bind, tighter terms, fewer disputes.
Parametric cold chain cover
Verified temperature threshold breaches trigger pre-agreed payouts without lengthy loss adjustment.
Loss-prevention partnerships
Underwriters offer reduced premiums to insureds running monitored shipments, with the savings shared.
Portfolio risk analytics
Lane-level loss probability and severity modelling informed by real condition data, not just historical claims.
Built for Insurance.
Ready to talk specifics?
Our team can scope a pilot on your real routes, with your real cargo, on your real timelines. We don't sell a platform you have to integrate. We deploy it for you.