A Simple & Transparent Cover
Cover is based on pre-defined parameters & pre-agreed indemnity
We monitor the evolution of these parameters and whether a threshold is triggered using verified third party data from reputable providers (NHC, NOAA, etc.)
When a triggering event occurs, upon notification, clients swiftly receive compensation, often within a matter of days.
per contract
corporate & public entity clients
of our brokers say that we are a leader in risk modeling
Fast & Transparent Payouts
indemnification upon receipt of all required documentation, in most cases
When hurricanes strike, traditional claims processes can delay recovery.
At Descartes Underwriting, we deliver parametric insurance solutions that provide fast, pre-agreed payouts based on measurable storm parameters—no adjusters, no waiting, no hassle.
We leverage the latest scientific research to assess hurricane exposures and design bespoke covers for our clients.
Who We Work With
We support a wide range of industries where uninterrupted operations and rapid recovery are critical, especially in hurricane-prone regions. These are just examples—we tailor solutions for any business with exposure to hurricane risk.
Hospitality & Resorts
Infrastructure & Construction
Commercial Real Estate
Condos & HoAs
Manufacturing & Logistics
Renewables
Two Ways to Protect What Matters Most
✓ Cat-in-a-Circle
Proximity-based coverage that pays when a hurricane reaches a predefined distance from your insured site, factoring in sustained wind speed.
· Trigger: Hurricane track passes within defined concentric circles
· Ideal for: Coastal sites or portfolio-level risk aggregation
✓ Wind-at-Location
Location-specific coverage based on the actual sustained wind speed experienced at your insured site.
· Trigger: One-minute sustained wind speed exceeds threshold at insured coordinates
· Ideal for: Assets requiring granular, hyper-local protection
Why Choose Descartes
✅ Fast, Reliable Payouts
Receive financial support quickly after a hurricane—no delays, no uncertainty.
✅ Clear & Simple Coverage
Predefined triggers mean you always know when and how your policy responds.
✅ Tailored to Your Business
Every solution is built around your specific location, operations, and risk profile.
✅ Backed by Trusted Data
We use objective, independent data to ensure fairness, transparency, and precision.
