Descartes Underwriting

Descartes Underwriting is a Paris-headquartered insurtech, founded in 2019, specializing in parametric insurance for climate, natural-catastrophe, cyber, and emerging corporate risks. It operates two complementary entities — Descartes Underwriting, a global parametric managing general agent (MGA), and Descartes Insurance, an ACPR-licensed European full-stack carrier — using AI, satellite imagery, IoT sensor data, and scientific risk models to structure index-based covers that pay out automatically within days when a predefined trigger is met, without a traditional claims-adjustment process. Backed by Battery Ventures and other investors, the company serves 600+ large corporations and public entities through corporate brokers across 20+ offices worldwide. No public developer API or documentation is published; the company distributes coverage through brokers rather than a self-serve API surface.

Descartes Underwriting is profiled on the APIs.io network. Tagged areas include Company, Insurance, Parametric Insurance, Insurtech, and Climate Risk.

Descartes Underwriting’s developer surface includes engineering blog, support, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

15.6/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyInsuranceParametric InsuranceInsurtechClimate RiskReinsuranceRisk ManagementCyber Insurance

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 15.6/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.7 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/descartes-underwriting: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: descartes-underwriting
name: Descartes Underwriting
description: Descartes Underwriting is a Paris-headquartered insurtech, founded in 2019, specializing in parametric insurance
  for climate, natural-catastrophe, cyber, and emerging corporate risks. It operates two complementary entities — Descartes
  Underwriting, a global parametric managing general agent (MGA), and Descartes Insurance, an ACPR-licensed European full-stack
  carrier — using AI, satellite imagery, IoT sensor data, and scientific risk models to structure index-based covers that
  pay out automatically within days when a predefined trigger is met, without a traditional claims-adjustment process. Backed
  by Battery Ventures and other investors, the company serves 600+ large corporations and public entities through corporate
  brokers across 20+ offices worldwide. No public developer API or documentation is published; the company distributes coverage
  through brokers rather than a self-serve API surface.
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://descartesunderwriting.com/themes/custom/webui/images/logo.svg
url: https://raw.githubusercontent.com/api-evangelist/descartes-underwriting/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- battery-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Insurance
- Parametric Insurance
- Insurtech
- Climate Risk
- Reinsurance
- Risk Management
- Cyber Insurance
apis: []
common:
- type: DomainSecurity
  url: security/descartes-underwriting-domain-security.yml
- type: Website
  url: https://descartesunderwriting.com/
- type: Blog
  url: https://descartesunderwriting.com/insights
- type: Support
  url: https://descartesunderwriting.com/contact
- type: TermsOfService
  url: https://descartesunderwriting.com/legal-information
- type: PrivacyPolicy
  url: https://descartesunderwriting.com/legal-information
- type: GitHubOrganization
  url: https://github.com/descartes-underwriting
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence