For decades, the cargo insurance industry has remained a stubbornly analogue holdout in an otherwise digitised global supply chain.

Freight forwarders and shippers often encounter an outdated experience — slow and burdened by bureaucratic inertia. Traditional policies come with lengthy underwriting, annual commitments, and high minimum premiums, creating inefficiencies for operators already stretched thin by increasing regulatory complexity and razor-thin margins.

According to Eyal Goldberg, Chief Executive Officer of Breeze, the time for a reinvention of the model is not just overdue — it is already underway: “Traditional cargo insurance is slow, opaque, and built on outdated systems. It’s difficult to use, comes with poor customer service, and often includes frustrating barriers like high minimum premiums, annual commitments, and lengthy underwriting processes.”

Breeze is tackling these challenges head-on with a digital-first, AI-driven platform that redefines what cargo insurance can be. Unlike the traditional broker-centric model, Breeze enables instant, self-service insurance coverage through an intuitive interface that removes friction from the entire process. There are no deductibles, no minimums, and no hidden costs — just transparent, accessible protection for every shipment, large or small.

“Our platform offers instant, self-service cargo insurance quotes and policies — free to use, with no deductibles and no minimums,” Goldberg stated. “By unlocking access to previously uninsured risk pools and dramatically reducing acquisition and operational costs, we’re opening up a new, more profitable insurance channel for freight forwarders.”

In doing so, Breeze is not merely digitising an old product — it is democratising access to risk protection. The platform’s real-time analytics also help freight forwarders make more informed decisions, transforming insurance from a reactive safety net into a proactive business tool. “Better still,” Goldberg added, “our platform delivers real-time risk insights and analytics that help our partners make smarter decisions, faster.”

Smarter underwriting 

What distinguishes Breeze is its deep integration of artificial intelligence and machine learning throughout the insurance lifecycle. These technologies are not bolted on as afterthoughts — they are at the core of the Breeze platform, built to handle every stage from underwriting to claims resolution and beyond.

“At Breeze, we embed AI and machine learning into every stage of the insurance lifecycle — from quoting and underwriting to claims and portfolio management — enabling faster, smarter decision-making,” Goldberg explained.

The transformation begins with data. Traditional underwriting often relies on limited, static datasets and manual processing. Breeze uses AI to automate data extraction and validation from multiple sources — such as shipment manifests, tracking data, and weather inputs — improving speed and accuracy.

“We use AI to automate data extraction and validation from diverse sources, improving data accuracy and removing manual bottlenecks,” Goldberg stated. “This allows us to identify risk factors earlier and with greater precision.”

From there, AI-driven dynamic pricing models kick in. Unlike flat-rate or regionally averaged policies, Breeze’s models assess the individual profile of each shipment in real time. Variables such as origin, destination, commodity type, and even carrier reliability are considered in milliseconds, ensuring each policy is fairly and accurately priced.

“Our dynamic models use real-time data and predictive analytics to assess risk in a more granular way than traditional models. This enables us to offer tailored premiums that reflect individual shipment profiles,” Goldberg noted.

Machine learning also powers claims handling, reducing resolution times and filtering out fraudulent claims. Algorithms rapidly assess documentation, verify consistency across data points, and detect anomalies that would otherwise escape manual review. “It streamlines claims assessments, reduces resolution times, and flags potential fraud automatically — improving both the speed and integrity of our claims process.”

Beyond individual shipments, Breeze’s macro-level AI capabilities provide vital portfolio management tools. The system can predict accumulation risks across regions and commodities, helping Breeze proactively balance exposure and maintain financial resilience in volatile market conditions.

“AI helps us forecast accumulation risks and optimise exposure across geographies, commodities, and customer segments,” Goldberg explained. “This allows for proactive risk balancing and stronger overall performance.”

Trust of tradition

As with any digital transformation effort, the biggest obstacle is not always technology — it is people. In an industry steeped in decades of process tradition, persuading freight forwarders and supply chain operators to switch to a digital-first insurance model can be a delicate undertaking.

“Like any industry undergoing digital transformation, change management is one of the biggest challenges,” Goldberg highlighted. “Many supply chain stakeholders are used to traditional insurance workflows and may initially hesitate to adopt something new.”

To overcome this, Breeze adopts a value-first approach, demonstrating tangible benefits that resonate with partners’ goals. Faster coverage, easier claims, better data — these are results that speak clearly to busy logistics managers looking to streamline workflows. “Our digital-first model is not only more efficient operationally — it also delivers better outcomes,” Goldberg continued.

To help drive adoption, Breeze invests in partner enablement. A dedicated support team provides onboarding, live training, and ongoing performance reviews to ensure that every partner is realising the full potential of the platform. This hands-on strategy is backed by educational content and check-ins that keep users engaged.

“Breeze has a dedicated enablement team that provides onboarding, face-to-face training, and ongoing support to our partners,” Goldberg highlighted. “We back this with engaging, educational content and regular check-ins to ensure our partners are seeing results.”

Through this approach, Breeze is not just asking the industry to trust a new model — it is earning that trust by ensuring users are supported at every step. The aim, as Goldberg put it, is to make: “Digital cargo insurance not just easier, but essential.”