Insurance & reinsurance

The risk-inference layer for underwriters.

NIKA Analyst turns satellite imagery, sensors, filings and market signals into explainable, asset-level risk scores — across climate peril, catastrophe accumulation, property condition, and geopolitical and regulatory risk.

Priced at the address, not the ZIP code. Auditable for your regulator, not a black box.

Talk to our team See the models

Asset4417 Gulf Shore BlvdNaples, FL · single-family · 1998

Flood78

Wildfire41

Wind63

Hail29

confidence 0.91Drivers: 1-in-100 floodplain · 0.4m surge · roof age 26y

The shift

From static feeds to inference at the asset level.

Legacy risk data is licensed as a flat feed and scored to the ZIP code — stale the moment it lands, and silent on why. NIKA reasons over live signals to a number you can price on and defend.

Static data feeds

ZIP- or county-level scores, blind to the individual asset
Re-licensed annually — stale against this season’s conditions
One vendor and model per peril, in separate systems
A number with no explanation an auditor will accept

Risk inference layer

Scored at the address from live imagery and signals
Refreshed continuously, not once a renewal cycle
Every peril in one orchestrated workflow
Confidence and drivers on every score

Five domain models

One model per risk domain, orchestrated by NIKA Analyst.

Each is a focused model built for a single insurance line and grounded in a production NIKA GeoEngine worker — coordinated by the Analyst into one pricing-ready answer.

Climate & Property Peril

Flood, wildfire, wind, hail and heat scored at the address — not the ZIP code.

Ingests

High-res imagery
Elevation & terrain
Climate reanalysis
Fuel & vegetation

Output

Per-asset peril scores with a confidence band and the drivers behind each number.

Catastrophe & Accumulation

Real-time event loss estimates and portfolio concentration flagged before you bind.

Ingests

Live storm tracks
USGS seismicity
Fire perimeters
Exposure locations

Output

Event-driven loss estimates and accumulation hot-spots across the whole book.

Property & Exposure Intelligence

Roof condition, construction and occupancy read straight from imagery onto the file.

Ingests

Aerial & drone imagery
Building footprints
Parcels & assessor

Output

Roof material, age and condition, footprint, construction class and defensible space.

Geopolitical, Marine & Supply-Chain

Route, port, conflict and sanctions exposure for cargo and political-risk lines.

Ingests

AIS vessel tracks
Port activity
Conflict & sanctions
News signals

Output

Voyage- and counterparty-level exposure scores with the full reasoning trail.

Regulatory & Climate Disclosure

Ground stability plus continuous CSRD, TCFD and CBAM monitoring, per asset.

Ingests

InSAR ground movement
Corporate disclosures
Regulatory texts

Output

Subsidence exposure and transition-risk flags mapped to each regulation.

Need a line we haven’t listed?New domain models can be built from your own scientific code and published to the worker catalog.Browse the catalog

How it works

An inference layer, not another data feed.

Satellite & aerial imagery Physical sensors & IoT Market & exposure signals Filings & disclosures

01
Ingest
Satellite imagery, physical sensors, market signals, filings, government reports and news — refreshed continuously.
02
Reason
NIKA Analyst orchestrates the five domain models and reasons across how one peril propagates into another.
03
Explain
Every score ships with a confidence band and the drivers behind it. Auditable for your regulator — not a black box.
04
Deliver
Pricing-ready scores over a REST API, or embedded into the policy-admin and portfolio systems you already run.

GET /v1/asset/{id}/peril

{
  "asset_id": "us-fl-naple-4417",
  "composite": 72,
  "confidence": 0.91,
  "perils": {
    "flood":    { "score": 78, "rp": 100 },
    "wildfire": { "score": 41 },
    "wind":     { "score": 63 }
  },
  "drivers": [
    "1-in-100 floodplain",
    "0.4m modelled surge",
    "roof age 26y"
  ],
  "explanation_url": "/v1/asset/.../why"
}

Lands in the systems you already run

Scores embed straight into your policy-admin, exposure-management and portfolio tools — no rip-and-replace, no exporting between systems.

Guidewire
Duck Creek
Verisk
Moody's RMS
CoreLogic
Cape Analytics
First Street
FEMA NFHL
eFront / BlackRock
Yardi

Enterprise access

Put a risk-inference layer behind your underwriting.

NIKA works with insurers, reinsurers and asset managers on enterprise deployments — on your book, your systems, your governance.

Talk to our team See NIKA GeoEngine