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Cogo Insurance is the leader for commercial auto & trucking new ventures & ex-military




Top Industry Problems Cogo Solves…
- Entry barriers for well-qualified drivers.
- Traditional insurance plans not aligned with trucking revenue streams.
- Limited usage of smart telematics
- Lack of safety and risk assessment..

Competitive Edge and Value Proposition
Real industry experience and proven technology combine to make COGO a tangible, executable business proposition:
Innovative Insurance Product that will Attract Earned Media & Referrals
Creating Opportunities for Well-Qualified but Underserved Drivers
Profitable Underwriting Through Usage of Useful Metrics
Minimizing Impact of Personal Credit Score with More Relevant Metrics
Hybrid Selling – Both Direct 2 Consumer and Through Agents
Minimization of Fraud Through Technology Use
All Co-Founders Have Actual Trucking Experience
Fair Pricing = Per Usage Pricing (Mile and Route Pricing)
Phenomenal
That’s exactly what we think about our product – after all, we are not just insurance suits or tech nerds, but all have real world trucking experience, knowing everything about idling restrictions, DEF lights, IFTA filings and how unaffordable trucking insurance can be. We are changing this for well-qualified drivers – especially military vets, immigrants and lifetime truckers.

Some facts about Cogo Insurance…
COGO’s co-founders, in addition to insurance & IT, have trucking fleet ownership experience – thus actually knowing the target customer & target market very well.
Strategic partnership providing exclusive access to 35,000 trucks all of whom must have insurance – that’s in addition to our existing book of business
Our developed loss ratios are 38% vs. 85% for the industry
Recent win of an in-kind investment of $500,000 from a top telematics provider – on top of the $600,000 pre-seed from co-founders
Already hired a very experienced full-time team of CPCU underwriters, litigator & marketer
LOI & BOR from a multi-billion dollar carrier
Proprietary AI/ML engine
Direct appointments for brokering trucking insurance products from Tysers (Lloyd’s of London) & others
Selected to pitch at the annual 2022 Dayton Startup WeekSelected to pitch at the annual 2022 Dayton Startup Week
Graduated from the Plug and Play Tech Center in Silicon Valley (Batch 13, Nov 2022) & received their offer to co-lead our Seed investment round.
Organically reached over 15 million accounts on our Instagram page
Our Exclusive Technology
Internet of Things (IoT)
(IoT) brings machines, cloud computing, analytics, and people together to improve the performance and productivity of trucking insurance processes.
Machine Learning (ML)
(ML) based on asset condition monitoring captures the state of equipment to determine asset performance by capturing all data, such as temperature, vibration, pressure, and error codes.
Telematics data
Our technology monitors key parameters to discover anomalies before they become critical issues and use this data to develop predictive maintenance programs, to avoid expensive maintenance costs.
Artificial Intelligence (AI)
AI is the capability of a machine to imitate intelligent human behavior. Through AI, machines can analyze images, can analyze Big Data, comprehend speech, interact in natural ways and make predictions using data.
Asset tracking
Our sensor technology is able to track all kinds of assets; has minimum 1 year of battery life. Integrated IoT hardware / software solution to increase the visibility, integrity, health, risk and security of all equipment.
Route analysis for risk assessment
Using AI, ML, and telematics, our exclusive technology will allow us to improve risk assessment and, thus, pricing after gaining enough data points.