Descartes Insurance At A Glance
or more in available capacity per contract
insurer
in several European countries
Our Foundation
Descartes Insurance was created in 2022 to bring scientific precision and technological innovation to the heart of insurance. We are a new kind of risk carrier — agile, data-driven, and built for the realities of a changing world.
- Licensed by the ACPR (Autorité de Contrôle Prudentiel et de Résolution) since 2022
- Full-stack insurer authorized to underwrite directly in France and key EEA countries, as well as French Polynesia and New Caledonia.
- A subsidiary of Descartes Underwriting — our global MGA partner backed by A-rated reinsurers — with whom we deliver high-capacity, science-based solutions worldwide
Our Coverages
Descartes Insurance provides brokers with the solutions their corporate clients need, offering expert coverage in core business lines:
- Climate Parametric: Over 20 perils covered
- Alternative Risk Transfer: Structured Guarantees, Captives
- Other Products: Property Damage, Hail-Storm, Technical risks, Credit & Political Risks, Cyber Risks
Our Capacity & Authorization
We are authorized to operate in key European markets and continue to grow our footprint.
- Licensed in France, including DOM-TOM
- Active in most EEA countries (Germany, Italy, Austria, Belgium, Spain, Netherlands, Luxembourg,…) and French Polynesia
- Policy capacity up to $10M or more via Descartes Insurance
Insurance That Thinks Like a Tech Company
At Descartes Insurance, our edge lies in the integration of science and data.
150+ experts
scientists, engineers, underwriters, and climate analysts
AI, computer vision, satellite & IoT data
to enrich risk understanding
Proprietary risk models & pricing algorithms
built in-house
End-to-end digital journey
from quote, to claim and renewal
Why Work With Us?
Customizable Solutions for Precise Client Fit
Choose exactly what your client needs—specific perils, thresholds, regions, and more. Our flexible approach ensures your policy is built around your business, not the other way around.
Proactive, Data-Driven Risk Intelligence
Our advanced use of AI, machine learning, and real-time data enhances underwriting and claims responsiveness—helping you deliver smarter, faster solutions.
Direct Carrier. Streamlined Process. More Capacity.
As a full-stack EEA-licensed carrier, Descartes issues policies directly. This reduces friction, improves alignment with clients, and gives you access to greater flexibility and capacity.
A Few Of Our Solutions
Harnessing data and science to deliver swift, reliable parametric insurance solutions.
FAQ
What is the relationship between Descartes Insurance and Descartes Underwriting?
Both Descartes Insurance and Descartes Underwriting are backed by a panel of A-rated (re)insurers.
The Descartes Group is able to provide up to $10M in capacity per policy or more for specific products through Descartes Insurance and up to $200M in capacity per policy through Descartes Underwriting, with the backing of tier-one third-party risk carriers.
Where is Descartes Insurance able to issue policies?
Descartes Insurance can issue policies in France (including DOM-TOM), Germany, Spain, Belgium and the Netherlands and expects to be licensed to do so in a number of other countries part of the European Economic Area (EEA).
Descartes Underwriting can issue policies worldwide.
What lines of business will Descartes Insurance underwrite?
In full continuity with Descartes Underwriting and our commitment to a science-driven, client-first approach, protection against extreme weather, natural catastrophes, and emerging risks comprises the main focus of Descartes Insurance.
That being said, Descartes’ product range continuously evolves to provide natural catastrophe and climate protection to a wider range of clients, and in time, additional exposures, emerging risks, and product lines that create seamless insurance solutions.
What is the Descartes Insurance claims process?
Claims submitted to Descartes Insurance are handled in-house. We leverage our advanced technology and proximity as a risk carrier to deliver a transparent, smooth, and time-effective process.
What is the relationship between Descartes Insurance and Descartes Underwriting?
Descartes Insurance is a subsidiary of Descartes Underwriting.
Descartes Insurance is an entity structured as a full-stack risk carrier and regulated by the ACPR (Autorité de Contrôle Prudentiel et de Résolution) in France and authorized to operate in several European countries.
Globally, Descartes Underwriting operates as an MGA (Managing General Agent), in full continuation and valued partnership with the world's most prominent risk carriers to offer parametric covers against the full spectrum of Nat Cat and climate risks.
Who can I contact in case of customer complaints?
Your satisfaction is important to us. To file a complaint, please contact: customer-complaint@descartesunderwriting.com
Contact 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.
