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If you run a transport company, a freight platform, a 3PL, or a courier network, you already know the script.
A pallet gets damaged. A box goes missing. Your customer calls. You apologise, refund, replace, or argue, and you eat the cost. Then you do it again next week.
That's the freight protection stack most of the industry is still running on. It's slow. It's expensive. And it punishes the wrong people.
FreightInsure replaces it with something that works.
For years, the long-tail shipper (the SME or eCommerce business sending a few hundred consignments a month) has had three choices when something goes wrong in transit. Pick your poison.
Option one: standard carrier liability. In New Zealand, limited carrier's risk caps liability at NZD 2,000 per unit under the Contract and Commercial Law Act. In Australia, contractual liability limits sit in a similar range. Fine for a box of t-shirts. Useless for a $40,000 industrial pump.
Option two: traditional marine insurance. Excesses of $1,000 to $2,000 are standard. So is a denied-claim rate that quietly excludes most of the real-world claims a shipper actually files. Most SMEs look at the premium, look at the excess, and walk away.
Option three: hope. The shipper takes the risk themselves and prays. When something goes wrong, they're back on the phone to you, the carrier, demanding answers.
That third option is the one most SMEs default to. Which is how the cost of broken freight ends up in your inbox, your support team, and your margin.
FreightInsure is embedded freight protection for the long tail. It sits inside the booking experience your customers already use, switches on automatically, and pays from dollar one when something goes wrong.
No separate policy. No excess. No phone tree. No carrier eating the cost of a problem the carrier didn't cause.
It's not traditional marine insurance. We don't compete with marine insurers. We cover the segment they ignore. We pay the claims that would otherwise sit in the gap between carrier liability and a $2,000 excess.
There isn't one FreightInsure product. There are two, and the difference matters depending on how a transport business wants to operate.
The shipper buys an insurance policy for their consignment. FreightInsure issues the policy, sends the documentation, and pays claims directly to the shipper. The carrier is never on the hook.
The distributor passes the premium through at cost and earns a commission on every policy sold. Zero claims involvement. Zero risk. A modest, predictable revenue line that sits on top of an existing freight booking.
Single Trip is built for transport companies that want to offer their customers genuine insurance without becoming an insurance business.
The carrier buys an insurance policy from FreightInsure that covers their legal liability for goods in transit. The carrier then sells their own warranty product to the shipper, under their own brand, at their own price.
FreightInsure manages every claim end-to-end and pays the shipper directly to satisfy the carrier's obligation. The shipper sees the carrier's brand. The carrier captures the margin between wholesale and retail. The insurer carries the risk.
Cargo Liability is built for distributors who want to own the customer relationship, white-label the protection product, and run a real margin on it.
Same insurance backing. Same claims experience for the end shipper. Different commercial model.
Embedded is a word a lot of fintech and insurtech companies have ruined. So let's be specific about what it means here.
It means the protection is offered at the point of shipment, inside the same flow your customer already uses to book freight. Not a separate website. Not a separate quote. Not a separate login. A line item on the consignment, switched on by default or offered with a single click, priced at a fraction of the goods value, and live the moment the booking is confirmed.
For an SME shipper, that's the difference between "I should probably look at insurance one day" and "yes, cover it." For a distributor, it's the difference between offering protection that gets activated 5–10% of the time and offering protection that gets activated on 85–100% of consignments.
Activation is the whole game. If protection isn't embedded, it doesn't get used. If it doesn't get used, it doesn't protect anyone and it doesn't generate revenue.
Claims are where every freight protection product is either great or terrible. There's no middle ground.
The FreightInsure target is five business days from claim lodgement to resolution. There's no excess to absorb, which means small claims (the bulk of real-world freight claims) get paid in full* instead of being quietly written off.
For the distributor, this matters for two reasons. First, the customer experience around a damaged consignment stops being a reputational risk and starts being a moment of trust. Second, the claims data flowing back into the platform becomes monthly operational intelligence (patterns by lane, by carrier, by product, by route) at no extra charge.
Claims data is the most useful operational data a transport business has. Most of it is currently being thrown away.
Most vendors in a transport company's stack are line items on the cost side. Routing optimisation, tracking, customer service tooling, fuel cards, warehouse software. All of it costs money.
FreightInsure is a revenue line. There is no upfront cost to integrate, no licence fee, no minimum volume. The distributor earns when the product earns. Single Trip pays a commission of premium. Cargo Liability lets the carrier set their own retail price above a wholesale rate, with the margin uncapped.
If a transport business doesn't earn, FreightInsure doesn't earn. That's the alignment. There aren't many vendors in logistics who can say that and mean it.
A few quick clarifications, because the category is muddy.
FreightInsure is not FreightSafe Warranty. FreightSafe Warranty is a self-funded warranty product run under the FreightSafe brand: different commercial structure, different risk model, suited to a different kind of distributor. Both products exist for a reason. They cover different needs.
FreightInsure is not a marine insurance replacement. Marine insurance still has its place for high-value, low-frequency, complex international cargo. FreightInsure covers the long-tail consignments that marine insurance was never designed to handle.
FreightInsure is not a claims-on-paper product. Cover limits go up to AUD/NZD 100,000 per consignment domestically and AUD/NZD 50,000 internationally, backed by major insurers. Real cover, real claims, real money.
The new freight protection stack looks like this. Embedded at the point of shipment. Insurance-backed, so the distributor carries no claim risk. No excess, so claims actually get paid. Activation rates north of 85% because it's standard, not opt-in. Claims resolved in days, not months. Revenue share aligned, so the carrier earns more when their customers are protected better.
The old stack (manual, excess-heavy, opt-in, carrier-on-the-hook) was built for a freight industry that doesn't exist anymore. The new one is built for the one that does.
If you're running a transport business and you've been carrying the cost of broken freight on your own balance sheet, there's a better way to do it.
*Terms and conditions apply
FreightInsure is embedded freight protection for the long tail. It sits inside the booking experience your customers already use, switches on automatically, and pays from dollar one when something goes wrong.
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