# Raincoat

**Canonical:** https://apis.io/providers/raincoat/  
**Website:** https://www.raincoat.com/  
**APIs profiled:** 0

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.

## Kin Score — 2.3 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 2.3).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Insurance**: 9.1 (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)

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

## Tags

Company, Insurance, Insurtech, Parametric Insurance, Climate, Natural Disasters, Embedded Insurance, Financial-Services, Risk, Geospatial Data

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