Using Earth Observation data to reduce risk, improve claims, and enable smarter underwriting
Insurance companies require reliable risk assessment and fast response to operate effectively in a changing environment
NadirEO provides insurers and reinsurers with objective, repeatable evidence across the full policy lifecycle – from underwriting and portfolio exposure assessment to event response, claims validation and fraud reduction. The platform accelerates loss assessment cycles and strengthens the technical foundation of pricing and reserving decisions.
Key Challenges in the Insurance Sector
How NadirEO supports the insurance sector
Continuous monitoring of insured assets to identify risk concentration across regions and lines of business, combined with vegetation growth and land-use change detection to anticipate wildfire risk and trigger preventive actions before losses occur.
Severe flood risk detected in the monitored area due to persistent rainfall and elevated river levels.
Continuous EO-based monitoring supports early detection of exposure build-up, helping insurers manage aggregation risk, adjust underwriting strategy and optimize reinsurance decisions. Asset-level natural hazard exposure scoring (e.g. landslide, wildfire, flood) allows differentiation of premiums within the same area based on actual risk, not proxies.
Post-event satellite damage maps enable rapid pre-classification of claims after natural disasters, reducing on-site inspections, settlement time and operational costs. At portfolio scale, insurers can prioritise the most affected policyholders and accelerate payouts where they matter most.
Pre-existing damage detected on insured property prior to reported claim date, supporting underwriter assessment and fraud screening. Suspicious claims are flagged before payout, protecting margins without slowing legitimate settlements.
Using Earth Observation data to reduce risk, improve claims, and enable smarter underwriting
Infrastructure Critical asset monitoring, urban planning, structural analysis
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Using Earth Observation data to reduce risk, improve claims, and enable smarter underwriting
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