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 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

10.8/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Insurance Parametric Insurance Insurtech Climate Risk Reinsurance Risk Management Cyber Insurance

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 10.8/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 3.2 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Pricing Plans 1

Published pricing tiers and plan structures.

Descartes Underwriting Plans Pricing

0 plans

PLANS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Descartes Underwriting Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

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 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Plans

Plans

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
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: '0.23'
created: '2026-07-17'
modified: '2026-08-17'
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
- type: LLMsTxt
  url: llms/descartes-underwriting-llms.txt
- type: Plans
  url: plans/descartes-underwriting-plans-pricing.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-08-17'
  status: minimal
  artifacts_added: 3
  pass: local-v1
x-coverage:
  state: none
  reason: no-developer-program
  detail: Descartes Underwriting distributes bespoke parametric cover through corporate brokers and ships no public developer
    surface at all — /api, /docs, /developers, /openapi.json and every /.well-known/ path on descartesunderwriting.com return
    HTTP 404, no api./developer./docs./portal./ broker./app. subdomain resolves in DNS, and the company's seven public GitHub
    repositories are hiring technical tests and internal training rather than client SDKs.
  evidence:
  - url: https://descartesunderwriting.com/developers
    status: 404
  - url: https://descartesunderwriting.com/openapi.json
    status: 404
  - url: https://descartesunderwriting.com/.well-known/agent-card.json
    status: 404
  - url: https://api.descartesunderwriting.com/
    status: 0
  - url: https://api.github.com/orgs/descartes-underwriting/repos
    status: 200
  checked: '2026-08-17'

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