Descartes Underwriting

Founded by a team of insurance veterans and climate scientists, Descartes Underwriting operates at a global scale, offering insurance against climate, cyber and other emerging risks.

A new generation of parametric solutions

At Descartes, we are fully dedicated to creating climate and emerging risks' insurance solutions: fully transparent, customized to clients’ needs and providing swift claims payment thanks to parametric technology.

Descartes’ innovative edge stems from our ability to integrate new data sources, including IoT, satellite imagery, stationary sensors, radar and third party data, and apply proprietary algorithms to unlock risk insights.

satellite monitoring catastrophic events
Aerial view of a ocean

Our founding story

Descartes Underwriting was born out of the conviction that climate change calls for a revolutionary approach in insurance. While natural catastrophes and extreme weather events are drastically increasing in terms of severity and frequency, traditional insurance players struggle to provide sufficient protection - some are even forced to withdraw from highly exposed regions due to massive climate-related losses.

Technological disruptions offer unprecedented opportunities to bridge the gap: Descartes leverages Artificial Intelligence (machine learning, computer vision) and innovative sources of data from real-time monitoring  (satellite imagery, IoT) to model underlying phenomena and unlock risk insights. Our data-driven approach enables us to identify trends and to measure their impacts on clients’ assets, hence pushing the boundaries of insurability further.

Beyond climate risks, we now apply our technological expertise to emerging risks: we continuously work to answer the evolving needs of our clients.

Our global offices

  • Charlotte
    Charlotte
  • Chicago
    Chicago
  • denver
    Denver
  • Little Rock
    Little Rock
  • Los Angeles
    Los Angeles
  • New York
    New York
  • Scottsdale Arizona
    Scottsdale
  • Richmond Virginia
    Richmond
  • Atlanta
    Atlanta
  • Mexico
    Mexico
  • Frankfurt
    Frankfurt
  • London
    London
  • Madrid
    Madrid
  • Paris
    Paris
  • Hong Kong
    Hong Kong
  • Singapore
    Singapore
  • sydney
    Sydney
  • Tokyo
    Tokyo

Get in touch

Meet our Team

With a team of over 230+ employees, Descartes has an international, diverse and multidisciplinary team, growing rapidly across our global offices.

FoundersContact Our Commercial Team

Tanguy Touffut

Tanguy Touffut

Co-Founder & CEO

Sébastien Piguet

Sébastien Piguet

Co-Founder & Chief Insurance Officer

Kevin Dedieu

Kevin Dedieu

Co-Founder & Chief Scientific Officer

Descartes in numbers

$70M

capacity per parametric policy. Up to $200M in some cases

20+

natural perils covered across all continents

200+

employees

18

global offices across 10 countries

400+

corporate & public entity clients

+56

December 2024 NPS score with our brokers

94%

of our brokers say that we are a leader in risk modeling

Interested in a solution?

Contact Descartes