Real-time claims tracking and microinsurance for Ghana SME cargo – fast payouts, zero hassle.
Ghanaian SMEs lack affordable, tailored microinsurance products that adequately cover their supply chain risks.
CargoGuard specializes in supply chain claims management with embedded microinsurance for cargo risks. SMEs track shipments, file instant claims with GPS/photo verification, and get $30/month policies that prioritize speed. Partnered insurers pay out in days via digital verification.
Ghanaian small and medium-sized enterprises (SMEs)
GPS-integrated claims verification unique to Ghana's informal transport, cutting fraud and speeding approvals by 70%.
friendly
Add shipments with GPS for real-time status.
GPS/photo-verified claim filing with auto-submission.
Real-time status updates and insurer chat.
Manage cargo policies with auto-renew.
History of claims and payouts received.
Upload multiple cargos at once.
In-app messaging for queries.
Audit trails for regulators.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| name | text | No |
| phone | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| business_id | uuid | No |
| gps_location | text | Yes |
| cargo_value | int | No |
| status | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| shipment_id | uuid | No |
| active | bool | No |
| premium_paid | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| shipment_id | uuid | No |
| evidence_gps | text | No |
| payout_amount | int | Yes |
| status | text | No |
Relationships:
/api/shipmentsAdd tracked shipment
/api/policies/:shipmentIdAttach policy
/api/claimsFile GPS-verified claim
/api/claimsList claims
/api/trackersLive shipment statuses
No claims
20 shipments/mo
Unlimited
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 60 | 2% | $35 | $420 |
| Month 6 | 450 | 4% | $550 | $6,600 |
Ghana SMEs: File claims anywhere, get paid fast – from $29/mo.
Partner with trotro unions and market associations in Kumasi/Accra, demo at SME meetups with free tracking week, sign first 3 transporters with custom policies.
Reliable payouts
Paper-based claims, slow
Digital GPS claims for instant processing
Network effects from shared GPS data improving verification across users.
Mobile GPS ubiquity + AfCFTA trade surge exposes more cargo risks.
GPS accuracy in rural Ghana
Fallback photo + manual verify
Claims dispute regulations
Legal review + insurer partnerships
User adoption of GPS
Onboarding tutorials
Success: 90% preference over paper
Success: All approved <7 days
Success: 50 signups
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