The Infrastructure Layer for Marine Risk.
Marine insurance still runs without seeing the actual asset. Nudos turns vessel data into real underwriting decisions: structured, traceable, and ready for the line.
Marine insurance prices risk without viewing the actual asset.
Every day, underwriters bind millions in exposure on vessels they have never seen. The information reaching them is secondhand, inconsistent, and weeks old. There is no standard for how a vessel condition maps to its risk profile. The result: mispriced premiums, disputed claims, and underwriting decisions built on incomplete information. This isn't a technology gap. It is a structural one. The entire chain, from physical asset to financial decision, has no connective tissue.
The Cost of Blindness
Underwriters are making million-dollar decisions based on PDF reports and phone calls. There's no repeatable way to connect what a vessel looks like to what it should cost to insure.
$34B
Global marine premium pool
40%
Claims disputed due to poor documentation
3–6 wks
Average time to bind a marine policy
An underwriting infrastructure.
Not an inspection tool.
Nudos is the connective layer between physical vessels and financial decisions. We structure the path from raw asset data to underwriting output. Every decision is traceable, repeatable, and defensible.
Physical Assets
Vessel imagery captured at the point of inspection, across every critical structural zone.
Structured Data
Condition scores, valuations, and compliance checks mapped against 47+ international standards.
Underwriting Decisions
Risk profiles, premiums, and audit trails generated from verified data.
Five stages.
One decision.
Risk factors
5 flagged
See the actual asset.
Vessel imagery is captured and processed through our vision engine. The system identifies the vessel, maps structural zones, and flags visible damage generating the raw data layer that feeds everything downstream. No site visit. No third-party intermediary.
Compliance
SOLAS · MARPOL
Score the condition.
The platform translates visual findings into structured condition data. Every component is scored against SOLAS, MARPOL, ABYC, and 47+ maritime standards. The output is consistent regardless of who uploads the data.
Comparables
12 matched
Determine what it's worth.
The system cross-references condition data with market comparables, depreciation curves, and replacement cost benchmarks. The output: a defensible vessel valuation. No guesswork. No broker estimates.
Audit trail
Complete
Price with full traceability.
Condition and valuation data flow into our deterministic pricing engine. The output: H&M and P&I premiums where every variable is named, weighted, and timestamped. Same inputs, same output, every time. Built for audit, built for the line.
Claims baseline
Stored
Continuous risk, not a snapshot.
Risk does not stop at bind. Nudos tracks condition changes over time, flags deterioration, and updates risk profiles as new data enters the system. When a claim occurs, the historical baseline is already there, timestamped and defensible.
Built for depth, not breadth.
Vertical Depth
We do not do horizontal SaaS. We go deep into one vertical, marine insurance, and own the full stack from physical inspection to financial output. Every model, every standard, every pricing variable is marine specific.
Hybrid Architecture
AI handles visual analysis and pattern recognition. Deterministic engines handle pricing and compliance. Intelligence where it matters, precision where it counts.
End-to-End Pipeline
Most solutions cover one stage. Nudos connects the entire chain, capture, condition scoring, valuation, premium calculation, and claims intelligence, in a single system. No handoffs. No data loss between steps.
Claims Intelligence
Every inspection creates a timestamped visual baseline. When a claim occurs, the before-and-after evidence trail is already there, accelerating settlement and cutting fraud exposure.
Every inspection makes the system smarter.
Nudos isn't static software. It's a compounding intelligence layer. Every vessel inspected, every premium calculated, every claim processed feeds back into the system refining risk models, improving accuracy, and building a proprietary dataset that no competitor can replicate.
This isn't a feature. It's a moat.
Growing
Vessel profiles in system
200+
Condition datapoints per vessel
47+
Maritime standards mapped
Continuous
Premium accuracy improvement
Already in the ecosystem.
Nudos is live across the marine insurance value chain, working with the actors who write, distribute, and manage maritime risk.
Insurers
Top-tier national carriers
Direct integration with underwriting desks for automated risk assessment and premium generation. Multiple carriers in pipeline.
Brokers
Digital-first broker networks
Enabling brokers to deliver structured, auditable vessel reports that accelerate placement and reduce back-and-forth.
Marinas & Yacht Clubs
Active fleet partnerships
Fleet-level inspection infrastructure deployed at the point of asset concentration across multiple locations.
Surveyors
Professional network
Augmenting traditional survey workflows with structured data capture and standardized output.
Building the global infrastructure for marine underwriting.
Nudos is building toward a world where every marine underwriting decision is backed by verified, structured data from the actual asset. A single source of truth that connects insurers, brokers, marinas, and surveyors globally.
Ecosystem Connectivity
One system connecting every actor in the marine insurance value chain.
Single Source of Truth
Unified vessel data that eliminates information asymmetry across the market.
Global Scale
Infrastructure designed to operate across every marina, every port, every fleet — worldwide.
We work with marine insurers, underwriting desks, brokers, marinas, yacht clubs, and surveying firms that are ready to connect vessel data to underwriting decisions. If your team still makes risk calls without seeing the asset, we should talk.
Data Pipeline
Processing — Stage 2/3
Risk Output
Generating…
Decision
Pending…
Built for teams that underwrite risk.
Whether you're an insurer modernizing your marine book, a broker who needs faster placement, or a marina digitizing fleet inspections, Nudos plugs into your workflow.