Global Corporate Insurance Specialist
Shaping the Future of Insurance with Parametrics at the Core
We offer diverse risk transfer solutions, but our primary focus is parametric insurance—built around objective, predefined triggers to deliver fast and clear protection.
Transparent Terms
Policies are built on measurable triggers—like rainfall or temperature—so clients and their brokers know exactly when payouts occur. No fine print, no ambiguity.
Fast, Predictable Payouts
Once a triggering event occurs, payment is issued quickly and automatically—no need for on-site assessments or lengthy claims processes.
Customized Coverage
We work closely with brokers to build each policy around the client’s specific risk and budget profile, providing protection where traditional insurance often cannot.
Flexible Use of Funds
Payouts are based on the severity of natural events occurring, not solely on proven losses, giving clients immediate access to funds and empowering them to cover any type of financial loss, not just for physical damage.
Built on Data. Refined by AI.
Descartes leverages cutting-edge technology, AI and data to unlock risk insights and provide state-of-the-art robust insurance solutions to our clients and brokers.
Advanced Modeling to Capture Evolving Risks
Using 30-40 years of historical data, simulations, AI and cutting-edge machine learning, we define exact triggers and build precise models that capture complex and evolving risks.
Fast Claims with AI-Driven Precision
High-resolution Earth Observation data (including optical satellite imagery, 3D data, and thermal infrared data) together with our AI-powered tools enable fast and comprehensive claims, ensuring clarity and confidence at every stage.
Rich Data Ecosystem for Real-Time Monitoring
With data from 80+ trusted sources (NASA, NOAA, ECMWF, etc.), satellite imagery, and IoT sensors, we provide live monitoring and unmatched transparency.
Why Brokers are Choosing Us
We work hand-in-hand with brokers worldwide—from risk modeling to underwriting support and co-branded proposals—to help win tenders, secure renewals, and deliver lasting value.
Cost-Efficient Coverage That Fits Any Budget
Advanced modeling and climate expertise ensure accurate pricing, stable premiums, and flexible coverage that is made to fit any budget—even in high-risk areas.
Turn Simplicity Into a Sales Advantage
Stand out from the crowd with Descartes’ data-based risk analysis and tailored underwriting capabilities.
Strengthen Retention with Reliable Payouts
Clients stay loyal to brokers who deliver when it matters. Our parametric payouts are fast, automatic, and based on objective data—no claims disputes, no lengthy investigations.
Close Gaps with Custom Solutions
Flexible, custom-built parametric products empower brokers to meet any coverage need—whether it’s deductible buydowns, additional limits, or protection against specific financial losses.
* NPS survey conducted by an independent agency
What Brokers Say About Us
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“The underwriting team is very good to deal with. Upfront, honest and thoughtful. They also articulate the process required for them to provide best and optimal terms for our clients.”
Australia
Account Manager at a leading insurance broker
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“Very helpful with established perils and willing to consider novel solutions. Good communication and service time.”
United Kingdom
Parametric Lead at a large reinsurance broker
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"Good service and always able to support."
United States
Vice President at a Tier 1 reinsurance broker
Bringing Financial Security to Various Industries
Insurance coverage designed to meet the specific needs of each sector we work with.
A range of parametric insurance products to help manage climate and emerging risks.
IndustriesSolutions
Two Entities United By One Mission
Descartes operates through two complementary entities to deliver cutting-edge risk solutions through corporate brokers—from global parametric underwriting to EU-wide full-stack coverage.
Descartes Underwriting
Global MGA designing parametric products backed by A-rated insurers.
Learn moreDescartes Insurance
Licensed full-stack insurer delivering science-driven insurance solutions across Europe.
Learn moreContact Us
Whether you're quoting a complex risk, looking to break into new markets, or just curious about parametric insurance, our team is here to help you win. Reach out and we will get back to you within 48 hours.
