Science-Driven Insurance at Scale
150+ Scientific Experts
Our 150+ specialists include leading climatologists, software engineers, and data scientists—25% of whom hold PhDs in physics, meteorology, or climate science.
35+ Tailored Products
Covering over 20 natural perils, our portfolio spans from high-frequency weather risks to underinsured, emerging threats.
80+ Technology and Data Partners
We collaborate with global leaders in satellite imagery, sensors, and meteorological l data—ensuring transparent and verifiable model inputs.
Bridging the Protection Gap with Technology
We leverage technology to close protection gaps in a changing risk landscape. Our agnostic modeling approach enables robust pricing, bridging the gap between insured and economic losses.
Expert Team, Purpose-Built Models
Built by an international team of PhDs, risk modellers, and software engineers, our models are designed to capture the precise nature of each peril. They integrate core phenomena, trend analysis, and climate change impacts directly into risk assessments.
Diverse, High-Quality Data Sources
Our analytical tools process a wide range of data sources—including satellite imagery, IoT sensors, radar, and more. We partner with over 80 sector-leading data and technology providers, all vetted through a rigorous selection process to ensure reliable outputs.
Advanced Technologies for Trusted Underwriting
We employ robust machine learning algorithms, image recognition techniques, and cutting-edge stochastic analysis to support underwriting services across more than 35 parametric products. These models are trusted by top-tier (re)insurance partners and maintain high scientific integrity.
Rapid, Tailored Deployment at Global Scale
Technology sits at the heart of our ability to deliver bespoke risk solutions. We rapidly deploy tailored products and services to corporate and public sector clients across the globe.
Technology at Every Step of the Policy Lifecycle
Our technology underpins every phase of the insurance journey—from initial structuring to renewal—ensuring precision, speed, and transparency throughout.
Monitoring Events as They Happen
We track risks in near real-time using verified data sources. → Outcome: Timely insights during critical moments.
Processing Claims Digitally
Fully automated systems verify events and trigger payouts fast. → Outcome: Payment within days or weeks with no ambiguity.
Supporting Renewal with Insight
We use forward-looking models and portfolio analysis to guide renewals. → Outcome: Smarter decisions in volatile markets.
AI Behind Our Models: Real Examples
We use AI across our modelling and claims workflows to improve accuracy, speed, and reliability. By enhancing physical data like sea temperatures and wind strength, we build smarter models—and deliver faster, clearer claims. Here are a few ways we put AI into action.
Thunderstorms: Generative AI for Extreme Weather
Thunderstorms are highly localised and complex to model. We use generative AI—such as diffusion models—to simulate thousands of realistic storm scenarios based on macro-conditions, enabling better estimation of lightning, hail, and wind damage.
Wildfires: AI for Vegetation & Damage Detection
From pre-event exposure mapping to post-event burn analysis, AI helps identify fuel types, detect fire lines, and assess affected zones—improving pricing and accelerating claims.
Tornadoes: Tech-Backed Cover for Solar Farms
Our tornado product in the U.S. protects utility-scale solar assets using satellite data, site-specific calibration, and hybrid parametric triggers. This reduces basis risk and speeds up payouts.
How AI Enables Natural Perils Resilience
By combining satellite imagery, environmental data and advanced simulations, our AI models deliver faster, more accurate insights into events such as wildfires and floods. This enables innovative parametric covers, supports rapid claims assessment, and helps close protection gaps in the face of a changing climate.
The Role of AI in Hail Risk Modeling
By linking limited ground reports with radar, satellite, and forecast data, AI reconstructs past hail events and measures their location, size, and severity. These insights power advanced modeling and parametric insurance that deliver fast, reliable payouts—even where traditional coverage is lacking.
Descartes and SERTIT Collaborate on CNES-Supported Project
Through the CNES-backed Ambition Aval project, Descartes Underwriting and SERTIT are combining ultra-high-resolution satellite imagery with advanced analytics to better assess wildfires and extreme wind events. This collaboration enhances damage evaluation, loss quantification, and resilience—pushing the boundaries of insurability.
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