Marine Cargo Loss Intelligence

iCargoMate: LOSS OS

AI-powered Marine Cargo Loss Engineering for LVHF claims — turn small leaks into big savings.

For Insurers

• LVHF losses hide in corridors, carriers, and “routine” causes.
• We map the 10/13C drivers in minutes.
• Trigger prevention actions, not just settlements.

For Brokers & Corporate Risk Teams

• Premium ratios lie when exposure is unclear.
• Use Freight-as-Exposure to compute loss-per-freight and contract leakage.
• Reduce disputes with transparent, data-backed evidence.

For Surveyors / Loss Assessors

• Cartels thrive in opacity.
• Evidence-backed, audit-ready, corruption-resistant workflows.
• Micro deep dive on each claim → macro shift in loss ratio.

Upload Datasets

Run LVHF Intelligence Scan

Phase 2 Dashboard

Corridor | Carrier | Salvage Patterns

Phase 3 Workspace

Engineering Deep Dive & Recovery Strategy

Micro → Macro Correction

Micro claim intelligence → macro portfolio correction

LOSS OS is designed to convert repeated claim-level leakage patterns into enforceable portfolio actions across underwriting, claims, and logistics governance.

Credibility

Startup backed by NIT, Trichy, Govt. of India (3.5% equity stake holder through STPINXT Ventures). Built on 10C/13C analytics + canonical mapping, designed for large, low-value, high-frequency claim books.

Built For

Claims teams that need prevention, not just reporting

Insurers without MCLE

Build a usable loss engineering layer from claim exports and identify repeat leakage before it hardens into pricing weakness.

Insurers with MCLE

Add corridor, carrier, salvage, and LVHF/HVLF signal depth to existing MCLE workflows and intervention governance.

Brokers / Corporates

Build evidence-backed client conversations with transparent narratives on where losses originate and how to reduce recurrence.

Operating Thesis

Transparency improves the numerator.

(Loss + Excess + Salvage + Recovery Deductions) / Premium

Now also: Loss per Freight — measure contract leakage.

Lane Engine: 48-hour vs ExceptionEconomics: Client + Insurer Views

About this project

I grew up watching corruption around port premises — paperwork, kickbacks, and ‘adjustments’ that everyone pretended were normal. Over time, the same pattern seeped into parts of claims handling too: broker pressure, surveyor cartels, salvage side-deals, and investigation theatre.

I’m a surveyor. I despise it. If we want honest underwriting and faster trade credit, we need systems that make manipulation harder and transparency default.

In 2022, on the launch of the National Logistics Policy, our work was felicitated as ‘fundamentally needed’ for improving trade credit and liquidity for exporters — by technologically layering utmost good faith, trust, and enforceable contracts.

Today is my beta launch day. If you’re an insurer or broker without a strong MCLE team, this gives you one. If you already have MCLE, this makes it harder for corruption to survive.