Loadsure
Loadsure is a London-based insurtech MGA delivering AI-powered, dynamic freight cargo insurance via a digital platform with instant quotes, automated claims, and 60+ TMS integrations, serving shippers, brokers, and carriers across the UK, US, and Europe.
- Company typePrivate
- Founded2018
- HeadquartersLondon, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Loadsure does
Loadsure is a London-headquartered insurtech Managing General Agent (MGA) founded in November 2018 by Johnny McCord to address the global freight cargo underinsurance crisis. Operating as a Lloyd's Coverholder with FCA authorization, the company delivers all-risk cargo insurance through a digital, AI-powered platform that generates quotes and certificates in under 60 seconds, settles claims in less than 3 days, and offers up to $2M per-conveyance coverage limits across per-load, shipper's interest, ocean cargo, stock throughput, motor truck cargo, and auto physical damage products under the Thames, Orinoco, Danube, Huron, Columbia, and Yukon brands.
The underlying technology combines an in-house dynamic pricing engine, a Five Sigma AI-native 'Clive' claims management platform (deployed February 2026), and a Google Cloud-powered AI claims verification system to automate underwriting, risk scoring, fraud detection, and claims workflows. The platform is API-first and integrated into 60+ TMS and freight marketplace partners including McLeod Software, Rygen, MyCarrier, G2Mint, and Armstrong, enabling embedded point-of-booking insurance purchasing.
Loadsure monetizes through usage-based per-shipment premiums, annual stock throughput subscription policies (minimum $2,500), and embedded distribution arrangements, reaching customers through direct self-service, TMS embedding, and wholesale/broker channels including Amwins, Reliance Partners, and Tokio Marine Kiln (capacity partner). The company serves shippers, cargo owners, freight brokers, 3PLs, motor carriers, LTL carriers, and insurance brokers across the UK, US, Canada, Belgium, Germany, France, Netherlands, and Nordics, with $14.5B in cumulative cargo protected since inception.
Loadsure firmographics
Firmographics- Name
- Loadsure
- Legal name
- Loadsure UK Ltd
- Website
- https://loadsure.net
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Loadsure is a London-based insurtech MGA delivering AI-powered, dynamic freight cargo insurance via a digital platform with instant quotes, automated claims, and 60+ TMS integrations, serving shippers, brokers, and carriers across the UK, US, and Europe.
- Ownership category
- akta.pro rank
Loadsure industry classification
Industry- Product category
- Freight Insurance Technology
- akta.pro primary industry
- Brokerage/3PL TMS (Freight Brokerage Operations) (TLAEAAAB)
Keywords
Where Loadsure is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices4 records
Markets served
Loadsure business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Supply Chain
Revenue model
- Per-Shipment Insurance Premiums: Usage-based model where customers pay per load insured. Coverage purchased on-demand through self-service portal or TMS integration. Pricing dynamically calculated based on shipment risk factors.
- Annual Policy Premiums: Annual cargo insurance policies for shippers requiring continuous coverage, such as stock throughput coverage with minimum premiums starting at $2,500
- Embedded Insurance Integration: API-based integration fees from TMS and platform partners embedding Loadsure's insurance products
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Thames Per-Load Coverage |
| Subscription | Annual | Huron Stock Throughput (Annual) |
| Usage-based | Pay-as-you-go | LTL Coverage Plus |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Loadsure product offering
Product offeringCore offering
Loadsure is an insurtech Managing General Agent (MGA) that sells all-risk cargo and freight insurance products directly and via embedded TMS/loadboard integrations. It uses AI-powered dynamic pricing to issue per-shipment and annual freight insurance in under 60 seconds and processes claims through an automated claims platform with sub-3-day payouts. Coverage is delivered to shippers, freight brokers, carriers, and insurance agents under its own Thames, Orinoco, Danube, Huron, Columbia, and Yukon product brands, backed by Lloyd's coverholder capacity.
Product overview
Loadsure is an insurtech Managing General Agent (MGA) offering a platform of freight insurance products built on AI-powered dynamic pricing and automated claims processing. The core product suite includes Thames™ (per-load cargo insurance), Orinoco™ (shipper's interest), Danube™ (ocean cargo), Huron™ (stock throughput), Columbia™ (motor truck cargo), and Yukon™ (auto physical damage), plus add-on coverage for War & SRCC and LTL-specific needs. The platform delivers instant quotes, all-risk coverage, and near real-time claims settlement—targeting shippers, freight brokers, carriers, and insurance agents. Integration is available via API for TMS platforms, loadboards, and booking systems.
Differentiator
Problem solved
Functional benefit
Brands
- Thames™: Per-Load Cargo Insurance - Dynamic, on-demand freight insurance that provides all-risk coverage for goods in transit, offering up to $2 million in limits for domestic and international single-conveyance shipments.
- Orinoco™
- Danube™
- Huron™
- Columbia™
- Yukon™
Products and services
- Thames™ — Per-Load Cargo Insurance Dynamic, on-demand per-load cargo insurance offering all-risk coverage for goods in transit. Provides primary coverage for freight with up to $2 million per conveyance limits for domestic and international shipments, including temperature-controlled goods. Quotes and coverage available in under 60 seconds.
- Orinoco™ — Shipper's Interest Insurance Digital shipper's interest insurance protecting cargo owners from gaps in carrier liability coverage. All-risk coverage for goods in transit regardless of carrier negligence, Acts of God, or theft. Bridges gaps between brokerage and motor truck cargo coverage.
- Danube™ — Ocean Cargo Insurance Dynamic ocean cargo insurance for international shipments by sea. Comprehensive door-to-door protection for ocean freight with all-risk coverage capabilities.
- Huron™ — Stock Throughput Insurance Annual all-risk stock throughput coverage protecting freight in transit or at named storage facilities. Provides up to $10 million in international and $5 million in domestic conveyance limits, plus up to $10 million for named storage locations including catastrophic perils. Minimum premium of $2,500.
- Columbia™ — Motor Truck Cargo (MTC) Insurance Motor Truck Cargo insurance for trucking fleets delivering data-powered coverage with fast quotes and binds. Covers cargo owned by or entrusted to motor carriers.
- Yukon™ — Auto Physical Damage (APD) Insurance Auto Physical Damage coverage for vehicle protection in the freight industry.
- War & SRCC Coverage On-demand War & SRCC cargo coverage option for air, ocean, and land shipments in response to increasing geopolitical pressures on global supply chains.
- LTL Coverage+ Coverage specifically designed for Less-Than-Truckload operations. Fills gaps with fast, data-priced cargo insurance built for LTL realities with up to $100K for LTL shipments.
Quantifiable outcome
- Insurance certificate generated in under 60 seconds
- +5 more outcomes
Companies that use Loadsure
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles4 records
Loadsure technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability8 records
Feature6 records
Loadsure partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- Five SigmacoreDeployment of Five Sigma's AI-native Claims Management Platform and Clive for modernizing freight insurance claims processing in North American market. Supports full claims lifecycle from first notice of loss through resolution with automation.
- Google CloudcorePartnership to develop AI-powered claims verification system using Google Cloud infrastructure for automated claims processing and fraud detection.
- Tokio Marine Kiln (TMK)coreCapacity backing partnership providing underwriting capacity to support Loadsure's freight protection platform expansion. Enables growth in platform capabilities, commodities, and geographic outreach following Series A funding.
- AmwinscoreCommercial distribution agreement making Loadsure products available through Amwins, North America's largest insurance wholesaler, expanding strategic distribution reach to insurance brokers nationwide.
- Reliance PartnerscoreInsurance broker partner specializing in transport and logistics space that engaged Loadsure on behalf of freight customers like Steam Logistics for shipper's interest coverage.
- MyCarriercoreLogistics technology platform integration allowing customers to purchase Loadsure cargo insurance directly within MyCarrier's freight management system.
- Rygen (Corsair TMS)corePartnership embedding cargo insurance directly into Rygen's Corsair TMS platform, enabling users to access coverage options at point of shipment within their system of record.
- Armstrong Transport GroupcoreIntegration embedding dynamic cargo insurance into Armstrong's proprietary TMS platform for industry-leading insurance accessibility.
- G2MintcorePartnership delivering embedded cargo insurance as a plugin within G2Mint TMS platform for seamless coverage access.
- McLeod SoftwarecoreCargo Insurance interface integration with McLeod Software and Reliance Partners delivering real-time risk management and insurance offerings to mutual customers.
- ExfreightcoreFirst international integration launched in September 2021 enabling global freight insurance coverage through Exfreight platform.
- FreightCentercoreFirst LTL integration launched in September 2021 enabling Less-Than-Truckload cargo insurance through FreightCenter.
- FleetworthyminorPartnership to advance fleet safety with Drivewyze integration, combining cargo insurance with safety monitoring for trucking fleets.
- Lloyd's of LondoncoreLloyd's Coverholder status providing rated insurance capacity and access to specialist insurance markets. Loadsure is the only Lloyd's coverholder approved in 2019.
Scale indicators7 records
Recent moves9 records
Expansion highlights6 records
Loadsure competitors and assessment
Company assessmentDirect peers
- NEXT Insurance: US-focused insurtech MGA offering small commercial and transportation insurance with digital, per-policy issuance and embedded distribution. Closely comparable to Loadsure in MGA structure, digital-first underwriting, and SMB/mid-market freight customer base.
- CoverWallet (Aon): Digital commercial insurance platform (acquired by Aon) that enables online quoting/binding of small business coverages including transportation. Comparable as a technology-led commercial insurance distributor serving similar SMB/mid-market customers.
- Slice Labs: On-demand, cloud-native insurance platform that enables per-event/on-demand coverage via APIs and embedded partnerships. Comparable in the on-demand, embedded-insurance model that Loadsure uses for per-load cargo.
- Roanoke International: Specialty broker/MGA focused on logistics, cargo, and customs bonds for the freight industry. Comparable as a long-standing cargo/freight insurance specialist where Loadsure's founder previously worked and whose market Loadsure is digitizing.
Emerging players
- Embroker: Digital commercial insurance broker focused on specialty lines and technology-driven underwriting. Comparable in targeting specialty commercial risks with a digitally-led customer experience, though broader than freight.
- Vouch Insurance: Digital commercial insurtech offering specialty coverage to high-growth companies with embedded distribution and API-first issuance. Comparable as a venture-backed digital MGA targeting niche commercial lines via technology.
- Thimble: On-demand, short-term commercial insurance provider selling per-event coverage to small businesses including contractors and trades. Comparable in on-demand, digital-only insurance issuance model though focused on general small-business rather than freight.
Broad incumbents
- UPS Capital: The captive insurance and financing arm of UPS, offering cargo, parcel, and trade finance solutions to shippers and logistics providers. Comparable as a large incumbent in cargo insurance for shippers and logistics providers, though tied to UPS parcel flows.
- TT Club: Provider of insurance and risk management services to the international transport and logistics industry (container, freight, port operators). Comparable as a specialist in transport/cargo insurance for logistics operators worldwide.
- Chubb: Global commercial property & casualty insurer with significant cargo, marine, and transportation insurance products. Comparable as a large-scale incumbent writing cargo insurance for shippers and logistics companies.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Loadsure social profiles
Digital presenceLoadsure compliance and trust
Trust signalCompliance4 records
Loadsure financial estimates
Financial estimateRevenue estimate
Valuation estimate
Loadsure leadership team
Management profileNumber of profiles
Profiles18 records
Loadsure funding detail
Funding detailFunding overview
Funding rounds4 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Loadsure M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Loadsure
What does Loadsure do?
Loadsure is an insurtech Managing General Agent (MGA) that sells all-risk cargo and freight insurance products directly and via embedded TMS/loadboard integrations. It uses AI-powered dynamic pricing to issue per-shipment and annual freight insurance in under 60 seconds and processes claims through an automated claims platform with sub-3-day payouts. Coverage is delivered to shippers, freight brokers, carriers, and insurance agents under its own Thames, Orinoco, Danube, Huron, Columbia, and Yukon product brands, backed by Lloyd's coverholder capacity.
Is Loadsure a public or private company?
Loadsure is a private company. It is classified as venture growth investor backed and is currently operating.
When was Loadsure founded?
Loadsure was founded in 2018. It employs 51 to 100 people.
Where is Loadsure based?
Loadsure is headquartered in London, United Kingdom, in the Europe region.
How does Loadsure make money?
Three revenue lines are on record. Per-Shipment Insurance Premiums are the primary driver. The others are annual Policy Premiums and embedded Insurance Integration.
Who are Loadsure's main competitors?
Direct peers on record are NEXT Insurance, CoverWallet (Aon), Slice Labs and Roanoke International. Emerging players are Embroker, Vouch Insurance and Thimble. Broad incumbents are UPS Capital, TT Club and Chubb.
Does Loadsure have an API?
Yes. Loadsure offers an API-based platform that integrates with TMS, loadboards, booking platforms, and e-commerce systems. The platform supports quote, bind, and claim workflows. Integrations are completed in as little as a week, with token-based authentication. The API enables instant coverage binding, automated certificate generation, and near real-time claims processing. Developer documentation is at www.loadsure.net/lp/integration-partners.
What industry is Loadsure in?
Loadsure's product category is Freight Insurance Technology. Its primary akta.pro industry code is TLAEAAAB, Brokerage/3PL TMS (Freight Brokerage Operations).