Addresscloud

Geographic risk intelligence APIs for insurance underwriting

Underwriting & Risk Growth 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

At a Glance

Founded: 2015
Headquarters: London, England
Employees: 1-10
Funding: Seed

Category & Focus

Category: Underwriting & Risk
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