1You describe
You describe
your risk
- Tell us what threatens your business — in plain words.
- No forms, no jargon, no insurance expertise needed.
- Takes just a few minutes.
Protect your business.
Choose an event that interrupts your business.
Get paid when it happens.
How It Works
2Our AI broker structures
Our AI broker structures
your contract
- It pinpoints the exact events you need protection from.
- Objective triggers are set from trusted public data.
- Coverage is priced and written into a clear contract.
3Payout sent
Payout sent
automatically
- Public data is monitored around the clock.
- When a trigger is met, payout is sent — no adjusters.
- Funds arrive in as fast as 24-72 hours.
Perils We Cover
Flood
Rising water can devastate homes, businesses, and operations. We pay when river and rain data crosses predefined thresholds.
NOAA data
Wildfire
When fire risk spikes or flames advance, we trigger payments so you can protect what matters and recover faster.
NOAA data
Hurricane Corridor
From wind to storm surge, we cover named storms that impact your property or operations in coastal counties.
NHC data
Fuel & Energy Price
Volatile fuel prices can crush margins. We pay when energy prices rise beyond your coverage threshold.
EIA data
Frost / Specialty Crops
A late frost can erase a season's work. We trigger on temperature data to help protect specialty crops and revenues.
USDA data
Low Snowfall
Low snow means low revenue for ski areas and winter businesses. We pay when snowpack falls short.
SNOTEL data
Construction Rain Delay
Too much rain. Too many delays. We pay when sustained rainfall impacts your project schedule and costs.
NOAA data
Tariffs
New duties can erase margins overnight. We pay when tariff or duty rates on your imports cross an agreed threshold.
USTR dataTraditional Insurance vs. Parametric Hedging
Feature
Traditional Insurance
Parametric Hedging
Trigger
Indemnity-based, requires proof of loss
Predefined, objective triggers
Claims Process
Manual, with adjusters and paperwork
Automatic, no adjusters
Payout Speed
Days, weeks, or months
As fast as 24-72 hours
Transparency
Often unclear or negotiable
Clear, upfront, and contract-defined
Data Source
Company or third-party adjusters
Trusted public data sources
Best For
Unpredictable, complex losses
Known perils with measurable triggers
