Seguros deixam de ser custo e passam a gerar receita para transportadoras, aponta 88i

Traditionally treated as a mandatory cost item, insurance begins to assume a new role in the transport and logistics sector: that of inducing efficiency, trust and revenue generation. It is the experience of the 88th digital insurer specialized in the mobility, logistics and e-commerce ecosystem 8.

In many cases, the hiring of insurance is a legal requirement or condition imposed by large shippers. Large companies, for example, only operate with carriers that have adequate coverage. In this context, insurance is no longer just a regulatory requirement and becomes a factor of access to new contracts and larger volumes of cargo. “When the shipper trusts the carrier, it expands the operation. Insurance works as an element of ACHR credibility, points out the company.

By redesigning the traditional logic, 88i claims that it is possible to reduce the cost of insurance by up to 30%, depending on the carrier's accident history.The decrease in cost, combined with the increase in volume transported, directly changes the financial equation of the business. Instead of pressing margins, protection now supports growth.

One of the differentials of 88i is in the offer of insurance that can be passed on by the carrier itself to different links in the chain. It is the case of income insurance aimed at autonomous deliverymen, which guarantees temporary compensation in case of removal, based on the average income of the last 28 days. The solution has a direct impact on the relationship between platform and professional. According to the company, the voluntary engagement of these workers grows about 15% when the benefit is available.

“O deliveryman usually operates on more than one platform, with similar daily rates. Income insurance creates an additional bond. He tends to devote more to the company that offers this protection, which increases productivity and loyalty”, explains the CEO of 88i, Rodrigo Ventura. As the value of compensation is tied to the average income, the professional is also encouraged to expand their production.

Another axis is the insurance of protection of goods, which can be contracted flexibly, either by cargo, by CNPJ or by part of the operation, and can be resold by the carrier to the end customer or to the shipper. In e-commerce and operations drop shipping, where the pressure for reducing logistics costs is increasing, offering cheaper insurance than the available in the market becomes a competitive advantage.

In the last mile, where more flexible models and outsourced vehicles predominate - from passenger cars to motorcycles -, 88i has developed specific coverages for theft, theft and cargo damage. The company has Uber as one of its main partners in this modality and claims to have already reached 10.1 million protected customers in this segment.

Fraud reduction

The digitization of embedded insurance also has a direct effect on fraud reduction. By crossing real-time operation data, coming from TMS, applications, label generators and the end consumer itself, it creates what the company calls two sources of truth“. With less uncertainty, the risk does not need to be embedded in the price, making the service more competitive. The payment of indemnities occurs digitally, directly in electronic wallets.

According to 88i, the focus on a niche still poorly served explains the accelerated pace of growth of the company. Between 2021 and 2025, 88i accounted for 30 million issued policies. Growth was 1,500% in 2021, 450% in 2022, 440% in 2024 and 193% in 2025. “ Traditional solutions are cast and often states only costs to use the entire chain as a different tool V”.

By integrating shippers, marketplaces, carriers, management systems and the end consumer, insurance is no longer an isolated item and becomes part of broader business strategies.The logic, according to the company, is to create an environment of mutual trust, in which all links (contractors, service providers and consumers) benefit.

In this new arrangement, insurance is no longer just an expected expense in freight calculation and begins to expand the ability to close contracts, access new customers and sustain the growth of operations in an increasingly competitive sector.