# Ocean Ledger

> Insuring the uninsurable coastline\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Underwriting & Risk |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | London, United Kingdom |
| Founded | 2023 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | Pre-Seed |

## Overview

Ocean Ledger is a geospatial risk analytics platform for coastal flood risk assessment, serving insurers, reinsurers, real estate firms, and government entities with property exposure to coastal hazards. The company was founded in 2023 as a spinout from the German Aerospace Centre (DLR), where eight years of research in satellite remote sensing and coastal monitoring formed the technical foundation.

The platform combines satellite imagery analysis, machine learning algorithms, and historical environmental data to produce precision coastal flood risk assessments. Delivered via a cloud-native dashboard and API integrations, the system provides historical coastal data, real-time risk views, and future climate scenario modeling. Data inputs include satellite imagery from Planet Labs and the European Space Agency, government environmental datasets, and decades of ground-truth observational records.

Ocean Ledger raised EUR 900K in pre-seed funding in March 2025, led by Ananda Impact Ventures and Silverstrand Capital. The company is a Lloyd's Lab accelerator participant and has established an early customer base spanning insurance, real estate, hospitality, and catastrophe risk modeling. Notable customers include CBRE, Marsh, Iberostar, Bedrock, and KatRisk.

## Products & services

### Risk Intelligence Platform

Precision coastal flood risk analysis for property, infrastructure, and natural capital assets. The platform ingests historical observational data, current conditions, and future climate scenarios to produce decision-ready risk assessments.

**Key features:**

- Historical coastal data spanning decades, generated via proprietary algorithms
- Real\-time risk views with current impact drivers
- Future climate scenario modeling for resilience planning

*Target users:* Insurers, reinsurers, real estate developers, government agencies

### Stochastic Surge Modeling

Proprietary modeling that examines the frequency and severity of coastal flooding events. High-fidelity historical coastal data enables long-term trend analysis and catastrophe scenario modeling, including applications for cat bond product development.

**Key features:**

- Frequency and severity drivers for coastal surge events
- Decades of historical flood event reconstruction
- Applicable to catastrophe bond and parametric product design

*Target users:* Reinsurers, catastrophe modelers, Lloyd's market participants

### Geospatial AI Data Layers

Six proprietary data products engineered from satellite imagery and ground-truth validation:

**Key features:**

- Coastal elevation mapping and topographic modeling
- Shoreline position tracking and change detection over time
- Seabed depth and bathymetry data
- Natural defenses mapping \(wetlands, coral reefs, mangroves\)
- Hyperlocal weather data integration
- Asset vulnerability assessment

*Target users:* Underwriters, risk managers, infrastructure planners

### Dashboard Product

An analytics interface providing access to historical observational data, dynamic baselines for risk benchmarking, and forward-looking climate scenario projections.

**Key features:**

- Historical observational data for baseline comparisons
- Dynamic risk benchmarking across geographies
- Future climate scenario projections for adaptation planning

*Target users:* Risk analysts, insurers, government planners

### Monitoring & Advisory

Continuous tidal data feeds, periodic risk reports, and mitigation pathway analysis for ongoing resilience planning.

**Key features:**

- Real\-time tidal monitoring data
- Periodic risk reports and scenario updates
- Mitigation and adaptation pathway recommendations

*Target users:* Infrastructure operators, coastal property owners, government bodies

## Category & focus

- Subcategories: Coastal flood risk modeling, climate risk data, parametric risk intelligence, geospatial analytics
- Insurance verticals: P&C Commercial, Specialty/E&S, Reinsurance
- Target customers: Carriers, Reinsurers, Brokers, MGAs/MGUs

## Notable customers

- CBRE
- Marsh
- Bedrock
- Iberostar
- KatRisk

## Links

- Website: <https://www.ocean-ledger.com>
- Directory profile: <https://insurtechlist.com/companies/ocean-ledger/>
- Press/news: <https://www.prnewswire.com/news-releases/ocean-ledger-secures-900k-to-increase-accuracy-and-decision-readiness-of-coastal-risk-management-302392985.html>

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*Last updated: 2026\-06\-15*