The Cargo Insurance
Protocol for the world

The insurance, or reinsuring, of cargo can be tokenized to make the insurance (and liability) of cargo in the world more transparent and thus more accessible (lowering costs for both owners and shippers of the cargo).


What if an ‘Insurance Token’ is attached to the cargo as an additional ID (next to the bill of loading), which changes hands every time a new transporter or carrier takes responsibility for the transport or temporarily storage of the cargo? First only proving if a cargo is yes/no insured and therefore making the current holder of the token responsible and liable for the cargo. Later adding smart contracts based on for instance IOT measurements (was the temperature of this fish -18 degrees Celsius all the time?).

What if this Token is created at the protocol level and fully open-sourced, so it can easily be integrated in any proprietary or open source cargo-ID system and anywhere up or down the supply chain by the entire market?

TVM wants to revolutionize the way we insure cargo towards ‘risk management and insurance from the cargo perspective’, to lower costs and friction throughout the entire supply chain, thus benefiting its clients and society.

Transport Verzekerings Maatschappij (TVM) is a so called mutual cooperation owned by transporters with over 50 years experience in cargo insurance, market leader in the Netherlands with a solid business in Belgium and a growing business in Germany. TVM is moving from a specialised transportation insurer towards a logistic services cooperation, as new tech solutions like permanent track&trace and like the use of data(-analytics) brings huge opportunities for clients of TVM to getting the what they really want (having their risk managed), rather than ‘just’ being handed out an insurance policy.


Legal expert (TVM)
Data scientist (TVM)
Logistics expert(TBD)


We will provide data in a simulated environment resembling real life examples.


Pre-Startup – yes
Startup – yes
Mature SME – yes
Corporate – no
We are looking for tech and design expertise in teams, and motivation to solve what we think is a difficult challenge.


Although the internal TVM debate is not completely finished, protocol seems the way to go. The protocol should provide solutions for the data vs information challenge as well as easy access to reliable info vs privacy.
To be continued and decided!


As a mutual insurer owned by it’s customers, it fits our position to contribute and not put protection and proprietary solutions in the first place. So yes, open source!


Being actively involved and help building it, is the best way to explore (future) possibilities and find potential new solutions and business. Especially from the perspective of a ‘mutual company’.

Ambition and goals

It is our ambition to extend the principle of ‘mutual’ from insurance as it is today towards more effective and efficient insurance and risk management. We are convinced technology is the enabler to get there.

Track record in innovation and working to accelerate with teams/companies

We have experience with several startups, have invested in one and developing projects with one more as we speak.


Current consortium. We are talking to several companies and experts, and expect to publish names in the second half of January.


Welcoming. Tech startups and experts

Logistic companies

Supply Chain experts

Last but not least, (other) Insurers




What does the partner offer. Meeting with TVM Board

Market exposure

Access to market of Logistics and Insurance

Potential investment


What do consortium partners offer. TVM strives for an open and inclusive consortium, beneficial to the sector and the current actors in the sector specifically, focused on mutual insurance and risk management.


Several relevant video’s show what is going on,but at the same time we think all solutions lack both insurance / risk management capabilities as well as the openness needed for wide adoption:



Thomas van Noort – Manager Business Development – TVM

Any questions? Please approach Thomas and the entire Track through the community Future of Cargo Insurance-group:

Interview with Thomas van Noort, TVM

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