# Descartes Underwriting

**Canonical:** https://apis.io/providers/descartes-underwriting/  
**Website:** https://descartesunderwriting.com/  
**APIs profiled:** 0

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.

## Kin Score — 10.8 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 10.8).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 21.2 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Descartes Underwriting Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Descartes Underwriting Plans Pricing**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/descartes-underwriting/). Scores are computed from the provider's own public artifacts under a published rubric.