# Addresscloud

> Geographic risk intelligence APIs for insurance underwriting

## At a glance

| Field | Value |
| --- | --- |
| Category | Underwriting & Risk |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | London, England |
| Founded | 2015 |
| Stage | Growth |
| Employees | 1-10 |
| Funding | Seed |

## Overview

Addresscloud is a geographic risk data platform for insurance carriers and MGAs, providing address-level intelligence for property underwriting across personal and commercial lines. The company curates geospatial and property data from authoritative sources into an API-first platform that insurers embed directly into quotation engines, call centers, and policy administration systems.

The platform delivers peril and climate risk scores, address matching, property data enrichment, and accumulation management through REST APIs with sub-half-second response times. Addresscloud operates a serverless cloud architecture processing over 100 million transactions monthly at 99.99% uptime, enabling insurers to assess risk at rooftop-level precision rather than relying on postcode-level generalizations.

Addresscloud serves 50+ insurance companies including RSA, Lemonade, Brit Insurance, Legal & General, and Flood Re, the UK government-backed flood reinsurer. The company received seed investment from Kester Capital in September 2025 to support international expansion.

## Products & services

### Risk

Peril and climate risk assessment APIs providing address-level risk scores for flood, subsidence, windstorm, fire, and crime perils. Enables underwriters to access precise, data-driven risk information for pricing and underwriting decisions.

**Key features:**

- Address\-level flood, subsidence, windstorm, fire, and crime risk scoring
- Climate risk data with forward\-looking exposure metrics
- Embeds into existing quotation and underwriting workflows

*Target users:* Underwriters, pricing actuaries, insurance carriers, MGAs

### Match

Address matching and geocoding APIs delivering rooftop-level accuracy with sub-half-second performance.

**Key features:**

- Rooftop\-level geocoding precision
- High\-throughput matching suitable for real\-time quote flows
- Coverage across UK addresses with data from Ordnance Survey

*Target users:* Insurance IT teams, policy administration system operators

### Intelligence

Property data enrichment and pre-filling capabilities combining address-level data with insurance workflow integration to reduce manual data entry and improve data quality at point of quote.

**Key features:**

- Automatic property attribute pre\-fill at quote
- Integration with policy admin and CRM systems
- Reduces keying errors and fraud exposure

*Target users:* Personal and commercial lines carriers, digital brokers

### Exposure

Accumulation management and portfolio analysis platform allowing portfolio underwriters to set concentration limits and referral triggers before policies go on cover.

**Key features:**

- Portfolio accumulation monitoring by peril and geography
- Configurable referral triggers and limit alerts
- Pre\-bind accumulation checks

*Target users:* Portfolio underwriters, cat managers, reinsurance teams

### Batch

Bulk data processing solutions for large-scale portfolio analytics and accumulation analysis outside real-time workflows.

**Key features:**

- High\-volume batch geocoding and risk scoring
- Portfolio re\-rating and stress testing
- Supports regulatory and actuarial reporting workloads

*Target users:* Actuaries, pricing teams, portfolio analysts

### Maps

Geospatial visualization tools for portfolio risk mapping and exposure analysis.

**Key features:**

- Visual representation of geographic risk concentrations
- Interactive map\-based portfolio views
- Supports peril accumulation monitoring

*Target users:* Underwriting managers, cat model analysts

## Category & focus

- Subcategories: Geographic Risk Scoring, Address Validation, Peril Data, Accumulation Management, Property Data Enrichment
- Insurance verticals: P&C Personal, P&C Commercial, Specialty/E&S, Reinsurance
- Target customers: Carriers, MGAs/MGUs, Reinsurers

## Notable customers

- RSA
- Lemonade
- Brit Insurance
- Legal & General
- Flood Re
- Compare the Market
- Integra Insurance
- Eaton Gate
- Protector Insurance

## Links

- Website: <https://www.addresscloud.com>
- Directory profile: <https://insurtechlist.com/companies/addresscloud/>
- Blog: <https://www.addresscloud.com/blog>
- Team: <https://www.addresscloud.com/company/our-team>
- Linkedin: <https://uk.linkedin.com/company/addresscloud>
- Documentation: <https://docs.addresscloud.com>

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*Last updated: 2026\-05\-17*