Skyblu

AI-powered geospatial risk scoring for insurance pricing

Underwriting & Risk Startup 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

At a Glance

Founded: 2018
Headquarters: Warsaw, Poland
Employees: 11-50
Funding: Bootstrapped

Category & Focus

Category: Underwriting & Risk
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