# Skyblu

> AI\-powered geospatial risk scoring for insurance pricing

## At a glance

| Field | Value |
| --- | --- |
| Category | Underwriting & Risk |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Warsaw, Poland |
| Founded | 2018 |
| Stage | Startup |
| Employees | 11-50 |
| Funding | Bootstrapped |

## Overview

Skyblu is a geospatial risk scoring platform for insurance carriers and underwriters, focused on property and motor insurance verticals. The company translates individual addresses into granular risk features by combining actuarial science, climate modeling, hydrology, and geoinformatics. Its core service provides property-level risk assessments for perils including flood, hail, wind, landslide, wildfire, and subsidence, as well as driving behavior metrics for motor insurance.

The platform is delivered via RESTful API, enabling insurers to integrate address-level risk features directly into pricing and underwriting workflows. Data is sourced from satellite imagery, hydraulic models, and multiple geospatial datasets. Current coverage spans Poland, France, and Spain, with further European expansion planned.

Founded in 2018 by an actuary with a decade of insurance pricing experience across six European markets, Skyblu operates as a bootstrapped company with a specialist team of approximately six professionals covering meteorology, hydrology, geoinformatics, and data science. A notable partnership with Addresscloud, announced in 2023, enables European insurers to access Skyblu's perils data through Addresscloud's API platform.

## Products & services

### Address\-Level Risk Scoring

AI-powered system that converts postal addresses into detailed risk profiles for individual properties. Applies actuarial science, climate expertise, and proprietary algorithms against multiple European geospatial data sources.

**Key features:**

- Hyperlocal property\-level perils scoring \(flood, hail, wind, subsidence, landslide, wildfire\)
- Postcode unpacking for address\-granularity precision
- API delivery for direct integration into pricing systems

*Target users:* Property and casualty carriers, MGAs

### Motor Insurance Features

Driving behavior metrics and distance/frequency pattern analysis derived from geospatial data, enabling more accurate motor insurance pricing.

**Key features:**

- Driving behavior scoring
- Distance and frequency pattern assessment
- Address\-derived risk indicators for motor portfolios

*Target users:* P&C carriers pricing motor products

### Pet Insurance Features

Address-level risk assessment support for pet insurance underwriting.

**Key features:**

- Location\-based risk indicators applicable to pet insurance
- Integrated through same API as property and motor products

*Target users:* Pet insurance carriers and MGAs

## Category & focus

- Subcategories: Geospatial Risk Scoring, Climate Risk, Property Perils Data, Telematics/Motor Risk
- Insurance verticals: P&C Personal, P&C Commercial, Specialty/E&S
- Target customers: Carriers, MGAs/MGUs

## Links

- Website: <https://skyblu.ai>
- Directory profile: <https://insurtechlist.com/companies/skyblu/>
- Blog: <https://www.skyblu.ai/blog>
- Careers: <https://www.skyblu.ai/careers>

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*Last updated: 2026\-05\-18*