Raincoat

Raincoat builds embedded, highly scalable parametric climate insurance products and the automated infrastructure that powers them. Founded in 2019 and headquartered in San Juan, Puerto Rico, the company combines real-time environmental and geospatial data with parametric risk models to automatically trigger coverage and deliver instant, direct payouts to beneficiaries after natural disasters such as hurricanes, earthquakes, floods and excess rainfall. Raincoat operates as B2B2C infrastructure, connecting insurers, reinsurers and distribution partners so they can offer embedded disaster protection across Latin America, the Caribbean, the United States and other climate-exposed markets. The company is backed by Anthemis and Two Sigma Ventures. Raincoat publishes no public developer API, developer portal, or API documentation at this time; integration is handled directly through partnership.

Raincoat is profiled on the APIs.io network. Tagged areas include Company, Insurance, InsurTech, Parametric Insurance, and Climate.

🌐 Visit website 📡 Source on GitHub
7.7/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyInsuranceInsurTechParametric InsuranceClimateNatural DisastersEmbedded InsuranceFinancial ServicesRiskGeospatial Data

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.0 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.0 / 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/raincoat: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

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

Raincoat Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Company 2

The organization behind the API

Website
Website
 About
About

Source (apis.yml)

apis.yml Raw ↑ 
aid: raincoat
name: Raincoat
description: Raincoat builds embedded, highly scalable parametric climate insurance products and the automated infrastructure
  that powers them. Founded in 2019 and headquartered in San Juan, Puerto Rico, the company combines real-time environmental
  and geospatial data with parametric risk models to automatically trigger coverage and deliver instant, direct payouts to
  beneficiaries after natural disasters such as hurricanes, earthquakes, floods and excess rainfall. Raincoat operates as
  B2B2C infrastructure, connecting insurers, reinsurers and distribution partners so they can offer embedded disaster protection
  across Latin America, the Caribbean, the United States and other climate-exposed markets. The company is backed by Anthemis
  and Two Sigma Ventures. Raincoat publishes no public developer API, developer portal, or API documentation at this time;
  integration is handled directly through partnership.
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://cdn.prod.website-files.com/612d40cd06decf6c311f4d04/612d40cd06decf44471f4d55_R-Square-256.png
url: https://raw.githubusercontent.com/api-evangelist/raincoat/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- anthemis
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Insurance
- InsurTech
- Parametric Insurance
- Climate
- Natural Disasters
- Embedded Insurance
- Financial Services
- Risk
- Geospatial Data
common:
- type: DomainSecurity
  url: security/raincoat-domain-security.yml
- type: Website
  url: https://www.raincoat.com/
- type: About
  url: https://www.raincoat.com/climate-insurance-101
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 1
  pass: local-v1