Zuru Logistics Insurtech

Digital embedded insurance platform for cargo and logistics operators in Latin America

Distribution & Sales Startup Pre-Seed (USD 680K)

Overview

Zuru Logistics Insurtech is a digital insurance platform for the logistics sector, offering embedded cargo and freight insurance solutions to SMEs, logistics operators, and digital partners in Latin America. The company operates across three channels: an e-commerce model for import/export SMEs acquiring international and local cargo coverage, a SaaS platform for logistics operators, and an API-based embedded insurance integration for digital partners.

The platform combines AI-powered risk scoring, real-time freight monitoring, and predictive analytics to deliver dynamic pricing and automated policy issuance. Its flagship product, Zuru Max, was co-developed with HDI Seguros Mexico and provides route-level theft risk analysis, 24/7 digital custody monitoring, and automated recovery protocols. A newer product, D2D (Digital-to-Digital), launched in February 2026 and enables logistics operators to issue embedded insurance policies to their clients directly from a portal.

Zuru raised a USD 680K pre-seed round in June 2023 led by Carabela VC, with additional support from Peruvian family offices and US strategic investors. The company is backed by major carriers including Chubb, HDI Global, Pacifico Seguros, and Lampe & Schwartze, and operates in Mexico and Peru.

Products & Services

Zuru Max

Zuru Max is a freight insurance platform developed in partnership with HDI Seguros Mexico. It delivers AI-driven logistics protection integrating automated quoting, real-time cargo monitoring, and predictive theft risk analysis.

Key Features

Automated policy issuance within seconds via a mobile-accessible platform
Predictive theft risk analysis by route and merchandise type using AI scoring
24/7 digital custody monitoring with route deviation alerts for high-risk zones
Dynamic deductibles based on individual risk scoring versus fixed market rates
Recovery protocols covering 500+ response points across Mexico (up to 95% recovery rates)

Target Users: Logistics operators and freight companies in Mexico

D2D (Digital-to-Digital)

D2D is a SaaS embedded insurance solution launched in February 2026, designed for logistics operators and digital partners to issue insurance policies directly to their clients through a secure portal.

Key Features

Instant embedded policy issuance from operator portal
SaaS model with API integration for digital platforms
Streamlined insurance distribution without insurer intermediation at point of sale

Target Users: Logistics operators, digital platforms, and corporate brokers

Air Cargo Delay Insurance

Zuru implemented air cargo delay insurance in Peru through a partnership with Otonomi.ai, addressing perishable freight transportation risks not previously covered by conventional products in the LATAM market.

Key Features

On-demand parametric-style delay coverage for air freight
Targeting perishable goods transportation

Target Users: Air freight operators and exporters in Peru

At a Glance

Founded: 2020
Headquarters: Lima, Peru
Employees: 11-50
Funding: Pre-Seed (USD 680K)

Category & Focus

Category: Distribution & Sales
Subcategories: Embedded Insurance Digital Distribution Cargo Insurance Platform
Insurance Verticals: P&C Commercial Specialty/E&S
Target Customers: Carriers, Brokers, MGAs/MGUs, Consumers