ZenHedge
ZenHedge is a US-based insurtech startup that offers parametric Freight Expense Insurance to US shippers, automatically paying out on trucking tender rejections, weather delays, or accidents to stabilize transportation budgets against freight rate volatility.
- Company typePrivate
- Founded2025
- HeadquartersAnn Arbor, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What ZenHedge does
ZenHedge is a US-based insurtech startup headquartered in Ann Arbor, Michigan, that provides parametric insurance solutions targeting transportation budget risk for US freight shippers. Its single core product, Freight Expense Insurance, automatically pays out when predefined conditions are met — including trucking carrier tender rejections, weather delays, or accidents — eliminating traditional claims processing and providing shippers with budget stability against freight rate volatility and supply chain disruptions.
The underlying technology is a proprietary parametric insurance platform that integrates with shippers' Transport Management Systems (TMS) without requiring costly IT integration, drawing TMS data to evaluate trucking lane risk and predict tender rejection activity. ZenHedge's go-to-market combines a direct early-access application process for US shippers with significant annual transportation spend and partnership-based distribution through Apollo Underwriting (a Skyward Group company sponsoring ZenHedge as a Lloyd's-approved coverholder for underwriting capability) and Aon (providing reinsurance and delegated authority across US and London operations). Pricing is quote-based, structured as a subscription, and scales with each shipper's transportation network characteristics and annual transportation spend.
ZenHedge monetizes through parametric insurance premiums on a recurring subscription basis, targeting two primary segments: US freight shippers (primary) and logistics/shipping companies that need to hedge against tender rejection, spot rate volatility, and supply chain disruption. The company remains in early-access mode with 1-10 employees and no disclosed revenue or named customers as of the input data; the product formally launched in January 2026 alongside the flagship Apollo and Aon partnerships.
ZenHedge firmographics
Firmographics- Name
- ZenHedge
- Legal name
- ZenHedge, Inc.
- Website
- https://zenhedge.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- ZenHedge is a US-based insurtech startup that offers parametric Freight Expense Insurance to US shippers, automatically paying out on trucking tender rejections, weather delays, or accidents to stabilize transportation budgets against freight rate volatility.
- Ownership category
- akta.pro rank
ZenHedge industry classification
Industry- Product category
- Parametric Freight Insurance
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Fire, Marine & Casualty Insurance (6331), Arrangement Of Transportation Of Freight & Cargo (4731)
- akta.pro primary industry
- Motor Truck Cargo (FSAJABAC)
- akta.pro secondary industries
- Claims Management & Cargo Insurance Administration (TLAIANAK), Contract & Tariff Management (Carrier Contracts, Accessorials, Lane/Zone Rates) (TLAEAIAB)
Keywords
Where ZenHedge is headquartered
LocationHeadquarters
- HQ city
- Ann Arbor
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ZenHedge business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Parametric Insurance Premiums: ZenHedge generates revenue through parametric insurance premiums from Freight Expense Insurance products. The product automatically pays out based on predefined conditions (tender rejections, weather delays, accidents) without traditional claims processing, providing a differentiated insurance product for US shippers against trucking carrier tender rejections.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Early Access Program |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
ZenHedge product offering
Product offeringCore offering
ZenHedge sells Freight Expense Insurance, a parametric insurance product that protects US shippers from increased freight costs caused by trucking carrier tender rejections and freight rate volatility. The product draws data from shippers' Transport Management Systems (TMS) to evaluate trucking lane risk and predict rejection activity, then automatically pays out when predefined conditions are met (e.g., weather delays, accidents, tender rejections), eliminating traditional claims processing.
Product overview
ZenHedge is a US-based insurtech startup offering parametric insurance solutions for transportation budget risk. The company provides Freight Expense Insurance, a single core product that protects shippers from trucking carrier tender rejections and freight rate volatility. The product integrates with Transport Management Systems to evaluate trucking lane risk and predict rejection activity, offering automatic payouts when predefined conditions are met rather than requiring traditional claims processing.
Differentiator
Problem solved
Functional benefit
Products and services
- Freight Expense Insurance A first-of-its-kind parametric insurance product designed to protect US shippers against increased freight costs caused by trucking carrier tender rejections. Automatically pays out based on predefined conditions such as weather delays or accidents, using data drawn from shippers' Transport Management Systems to evaluate trucking lane risk and predict rejection activity, without requiring traditional claims processing.
Quantifiable outcome
- US trucking market accounts for over 70% of national freight movement with this risk remaining largely uninsured
Companies that use ZenHedge
Customer profileSegments2 records
Ideal customer profiles1 record
ZenHedge technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
ZenHedge partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered flagship and core.
- Apollo Underwriting (Skyward Group)flagshipApollo Underwriting, a Skyward Group company, has partnered with ZenHedge to launch Freight Expense Insurance, a first-of-its-kind parametric insurance product protecting US shippers from trucking carrier tender rejections. Apollo is sponsoring ZenHedge as a Lloyd's-approved coverholder, providing underwriting expertise and market access. The partnership combines Apollo's commercial insurance expertise with ZenHedge's technology capabilities.
- AoncoreAon is supporting ZenHedge across reinsurance, digital economy broking, and delegated authority teams in the US and London operations. Aon provides reinsurance capacity and delegated authority support for the Freight Expense Insurance product, enabling ZenHedge to access broader insurance market capacity and distribution reach.
Scale indicators2 records
Recent moves4 records
Expansion highlights4 records
ZenHedge competitors and assessment
Company assessmentDirect peers
- Loadsure: UK-based insurtech offering parametric cargo and freight insurance with automatic payouts tied to predefined events. Most directly comparable to ZenHedge given its parametric architecture and freight-specific focus.
- Falvey Insurance Group: Specialist cargo and stock-throughput insurance underwriter serving logistics and freight customers. Comparable as a direct provider of motor truck cargo and freight-related insurance coverage.
- Roanoke Insurance Group: Underwriting manager specializing in cargo, logistics, and transportation insurance with proprietary products for shippers and 3PLs. Directly comparable given its focus on freight insurance products for similar customer segments.
Broad incumbents
- UPS Capital: Subsidiary of UPS providing cargo insurance, trade credit, and financing solutions to shippers. Comparable as a large, established player offering motor truck cargo insurance alongside a broader portfolio of logistics financial services.
- Aon: Global insurance broker and reinsurance intermediary. Comparable as both a strategic partner and a broad incumbent operating in the same cargo insurance and risk-transfer space where ZenHedge competes.
- Marsh: Global insurance broker with a large transportation and cargo practice. Comparable as a broad incumbent in the freight insurance distribution chain that shippers already use for cargo coverage.
Emerging players
- Cover Whale Insurance Solutions: Insurtech focused on commercial trucking and fleet insurance, leveraging technology-driven underwriting. Comparable as an emerging insurtech serving trucking market participants, though primarily on the carrier side rather than shippers.
Others
- project44: Supply chain visibility platform with TMS integration and lane-level freight data. Comparable as an ecosystem enabler whose data feeds the same shipper TMS integrations ZenHedge relies on for underwriting.
- FourKites: Real-time transportation visibility platform tracking shipments across modes. Adjacent comparable as a freight data and visibility provider that overlaps with the TMS-integrated data layer ZenHedge uses to assess lane risk.
- Trimble Transportation: Provider of TMS and transportation management software to shippers and 3PLs. Adjacent comparable as the type of TMS platform ZenHedge integrates with to source lane data for underwriting.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
ZenHedge social profiles
Digital presenceZenHedge financial estimates
Financial estimateRevenue estimate
Valuation estimate
ZenHedge leadership team
Management profileNumber of profiles
ZenHedge funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ZenHedge 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 ZenHedge
What does ZenHedge do?
ZenHedge sells Freight Expense Insurance, a parametric insurance product that protects US shippers from increased freight costs caused by trucking carrier tender rejections and freight rate volatility. The product draws data from shippers' Transport Management Systems (TMS) to evaluate trucking lane risk and predict rejection activity, then automatically pays out when predefined conditions are met (e.g., weather delays, accidents, tender rejections), eliminating traditional claims processing.
Is ZenHedge a public or private company?
ZenHedge is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ZenHedge founded?
ZenHedge was founded in 2025. It employs 1 to 10 people.
Where is ZenHedge based?
ZenHedge is headquartered in Ann Arbor, United States, in the North America region.
How does ZenHedge make money?
One revenue line is on record: parametric Insurance Premiums.
Who are ZenHedge's main competitors?
Direct peers on record are Loadsure, Falvey Insurance Group and Roanoke Insurance Group. Broad incumbents are UPS Capital, Aon and Marsh. Cover Whale Insurance Solutions is listed as an emerging player. Others are project44, FourKites and Trimble Transportation.
Does ZenHedge have an API?
No public API is recorded for ZenHedge.
What industry is ZenHedge in?
ZenHedge's product category is Parametric Freight Insurance. Its primary akta.pro industry code is FSAJABAC, Motor Truck Cargo, with a secondary code of TLAIANAK, Claims Management & Cargo Insurance Administration. Its NAICS code is 52412 and its SIC code is 6331.